BUSINESS INSURANCE
We all know and understand the importance of local businesses to their communities. Not only do they bring in jobs for the people around them, but they also pay out wages and salaries. Starlight Insurance Agency wants to reach out a helping hand to such businesses and offer them the protection and coverage they deserve.
Starlight Insurance Agency always helps its business clients in the times of their need and delivers the protection and coverage that allows the company to overcome their current predicaments.
Following Coverages Are Offered to Our Business Clientele:
- General Liability
- Commercial Property Insurance
- Commercial Auto Insurance
- Commercial Umbrella Insurance
- Workers' Compensation Insurance
General Liability Insurance or GLI provides your business protection and coverage against claims your firm can encounter during its everyday operations. Without this coverage, your company is vulnerable to bodily or property damage caused by your business, reputational harm resulting from malicious prosecution, libel, slander, wrongful eviction, and other similar offenses, medical costs in case your client hurt themselves while visiting your firm, and damage to any rented property due to fire, lightning, or explosion.
Commercial Property Insurance provides adequate coverage to protect any commercial property under the claim of your brand name. This insurance protects your commercial property from predicaments like fire, natural disasters, and fire. Without Commercial Property Insurance, your business will be vulnerable to the damage done to your business property and equipment by fire, lightning damaging your business buildings, or thieves breaking in and stealing sensitive data or expensive assets.
Commercial Auto Insurance helps your company receive proper coverage in the event of a car crash by an employee driving a company car. This protection can help your firm pay for damages done to the properties and medical expenses if the accident was fatal. Without Commercial Auto Insurance, your company is vulnerable to coverages like bodily injury, property damage, collision, comprehensive, medical payment, uninsured or underinsured motorists, rental car, personal injury protection, and hired and non-owned auto.
Commercial Umbrella Insurance allows your company to extend the financial capabilities of your other commercial insurances if the need arises. Without Commercial Umbrella Insurance, your firm will be vulnerable to bodily injured client or employee medical payments and property damage caused to others by your business exceeding the insurance coverage limits. In this case, the business would have to make the payments surpassing the limits of its own money, putting the company at a financial risk.
Regardless of the type of business you are running, employees can get hurt, severely injured, or even die in the workplace. And if this situation occurs in your firm, then your business will be liable to pay for all the medical expenses and compensation to that employee. Without Workers’ Compensation Insurance, your company is vulnerable to paying missed wages, medical expenses, vocation rehabilitation caused by injury or illness, and death benefits to the family members of the deceased employee who died due to a work-related incident.