Small Business and Commercial Insurance

Being a business owner requires a considerable amount of financial investment. Regardless of how your business is set up, the liability you face as an individual requires a safety net that is covered by business insurance. While in many cases the law does not require business owners to purchase business insurance, it’s absolutely necessary to have it. There are many companies that offer business insurance. Each company will package policies differently, and may have different terminology to describe those packages. It’s important to understand the basics so you can feel confident about the coverage you’re getting based on your business specifics.

Commercial Insurance Packages

More often than not you’re going to need commercial liability, commercial property, and other types of commercial Insurance. In many cases it’s going to be easier and more convenient for you to package these all on one policy. In some cases it can be done, and other cases it can’t be done. The team that Garcia can help you determine when you can pack your coverages into one convenient policy.

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Commercial Liability

In today’s litigious society even small mistakes can turn into large lawsuits. General liability is essential to protect your business’s assets from potential lawsuits for something it or did not do to cause injury or property damage. At Garcia Insurance Services we have the products to design a plan for your business.

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Commercial Property

Protect your business’ physical assets with a business insurance property policy. Whether a fire, or a burst pipe or a storm damages your building, equipment and furniture, outdoor sign, inventory or other physical assets, at Garcia Insurance Services we have a plan for you. We understand your business is unique and constantly changing and we can tailor our commercial property insurance policy to fit your needs.

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Commercial Auto Insurance

Business auto insurance is an important part of any business insurance plan if you use a vehicle in the course of doing business. Whether your work vehicles are cars, SUV’s, or dump trucks, let the professionals at Garcia Insurance Services design a plan for you.

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Workers Compensation

Workers’ compensation insurance protects employers from claims resulting from on the job injuries to employees and provides employees compensation for on the job accidents. By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. Garcia Insurance Services can customize a plan for your business.

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