Why my small business needs commercial insurance

Owning a small business is the American dream. It also comes with lots of worries. In Kingwood, WV small business owners have the knowledgeable agents at Smith Insurance Agency of West Virginia to help them lessen that worry and get the coverage that is right for them. Commercial insurance is not one size or one coverage fits all, it should be tailored to your particular needs. 

When you own a small business, it has to be able to stay in business in order to make money. If the building where your business is located suffers from an event that damages it or even worse, renders it uninhabitable, you will need to have it repaired or rebuilt if you are the owner. If you are a tenant then you will at least need coverage for your inventory and any items such as machinery or office equipment that belong to you or your business. 

If your business is broken into and items are stolen or vandalized, a commercial insurance policy can help you to replace the items. 

If you have any employees your insurance can help you to provide workmen’s compensation insurance and also protect you from a suit by an employee for harassment or wrongful termination. 

Commercial insurance can also provide liability insurance should someone be injured at your business or by one of your products.  

With all the uncertainty in the world, why let the success of your small business be in jeopardy? In Kingwood, WV the experienced staff at the Smith Insurance Agency of West Virginia are here to help you to protect your business with the right commercial insurance, customized to meet your specific needs. Stop by our office or give us a call for a no-obligation quote.