The vast majority of businesses in the United States are small businesses and small business owners face many risks. You can’t do much to lower the risks except to make sure that you have the right commercial insurance to protect you if a hazard hits. Our agents at Homeowners Insurance Group in Scottsdale, AZ can personalize your commercial insurance for you and your business. We will make sure you will be able to survive a disaster.

These are some coverage that your business can benefit from:

Property coverage

Commercial property insurance offers a lot of protection to a small business. Even if you don’t own the building or if you have your business in your home, it can still be very valuable. It covers the things you use in your business. Things like tools for a plumber, display cases, and racks for a store. It also covers your inventory and raw materials and all the office equipment and machinery. These are the things that help you to make money, so you need them replaced asap.

Liability insurance

Businesses get sued all the time. As a matter of fact, about a third of all businesses get sued every year. That makes your risk pretty big. With liability insurance, you will have the money to pay for legal fees and a judgment if you should lose the case. This could make all the difference to whether or not your business can continue to operate.

Business interruption insurance

When a covered hazard hits your business, you will not have any income coming in. Unfortunately, your bills don’t stop just because your income stream does. With this insurance, you will be able to meet your obligations and hold out until you are able to get back to business as usual.