What Types of Businesses Need Commercial Insurance?

So you’ve just started a small business and are wondering if you need to buy a commercial insurance policy. Or maybe you’ve been sneaking by without a policy and are unsure about whether you need one or not. Allegiance Insurance Agency is here to help business owners in and around Richardson, TX make sense of the commercial insurance world.

If you have any type of business and you are trying to go without commercial insurance, you’re making a big mistake. Commercial insurance can cover things such as property damage, injury, theft, liability, and even business interruption. It can be easy to think that you don’t need commercial insurance if you don’t have any employees or you run your business from home, but that could not be further from the truth. What if your home (your place of business) catches on fire and you need to take a break from your business to get back on your feet? Or what if someone breaks into your studio office and steals all your supplies? Although unfortunate, both of these situations would be much easier to navigate with commercial insurance. In short, the answer to the question of what types of businesses need commercial insurance is every type.

You never know what could happen and when thinking about insurance, you need to plan for the worst. If you’re in the Richardson, TX area and you own a business, talk to an agent at Allegiance Insurance Agency to get started with commercial insurance. Hopefully, the only other time you’ll need to talk to us again will be to expand your policy as your business expands. We hope you never need to make a claim, but if you do, we’ll be here for you.