Why commercial insurance is a good idea for my small business

Braselton, GA is a great place to have a business. But even in this charming small town, things can go wrong and place your small business at risk. Commercial insurance can’t stop bad things from happening, but when they do happen, commercial insurance can help your business get through them. At Harmony Insurance, our team has the experience to help you to create an excellent commercial insurance policy that can protect you where you need it without adding coverages you don’t.

Commercial property insurance

The location of your business needs to be protected. If you own the building, then the insurance falls on you. If it is a rental, then likely the landlord has insurance on the building. Still, the contents which include your machinery, office equipment, inventory, and the things you need to do business are your responsibility. 

Commercial liability insurance

Things can happen that may get your small business involved in legal litigation. Someone may get injured while visiting your location or while using one of your products. A former employee can also sue you for wrongful termination. These are the sort of things that your commercial liability insurance can help you to cope with. Not only the legal cost but the cost of any judgment against you up to the limits of your policy.

Worker Compensation Insurance

In Georgia, if you have three or more employees, you are required to provide worker compensation coverage. The employees do not need to be full time, and very few businesses are exempt from this requirement. 

When you are ready to discuss your commercial insurance in or near Braselton, GA the experienced team at Harmony Insurance is prepared and able to help you to design a policy that will fit your business perfectly. Give our office a call or stop by and let us give you a no-obligation quote.