Your business is unique, and it needs commercial insurance to cover its unique things. Different businesses need different types of business insurance depending on many factors. Whether you have employees, how many of them you have, where your business is located, and what you sell are all important factors in determining the types of commercial insurance you need. To learn more about commercial insurance for your business, call us at M&K Dignum Insurance Agency Inc. in Albany, NY.
Workers’ Compensation Insurance
If you have employees, you need to have this type of insurance coverage. It protects your business by paying for the expenses that are due after an employee gets sick or injured on the job. Injuries can be caused by just about anything, so you still need this insurance even if you don’t have any dangerous equipment in your business. It also protects your employees, making sure that their accident-related expenses will be paid.
Cyber Insurance
This type of commercial insurance protects your business from mishaps that happen online, such as data breaches. It can be valuable coverage in case of a major problem that you’re liable for. Data breaches often lead to spending a lot of money to mop up the situation. Cyber insurance can be provided to you when you need it.
Product Liability
If you sell a product of any kind, there’s always the chance that it could harm someone. With product liability insurance, your business is protected against many lawsuits that can result from someone getting hurt. You need this coverage for your own peace of mind and financial protection.
Get Commercial Insurance
To discuss the types of commercial insurance you may need, call us at M&K Dignum Insurance Agency Inc. in Albany, NY.
