Why Business Owners Need Commercial Insurance While They Work At Home

CO Insurance Specialist offers insurance coverage to the Wheat Ridge, CO community. For over 25 years, we have helped our clients find the policies they need to protect their assets. We proudly serve as an independent insurance agency.

Why Commercial Insurance Is Important For Work Home Businesses

Commercial insurance helps Wheat Ridge, CO business owners protect their investments. The policy covers your property if it is damaged or stolen. Liability coverage protects your business if a customer slips and falls while visiting your business or alleges that using one of your products caused an injury or illness. Workers’ compensation protects your business from being held liable if an employee suffers an injury on the job. If you are operating your business from home, commercial insurance is still beneficial in several ways.

Cybersecurity Coverage

If you are operating your business from home, you are likely using a tablet, computer, or some other type of electronics to operate your business. Hackers may attempt to capitalize on this and corrupt your data. Consider adding cyber coverage to your commercial insurance policy. Cyber coverage will help you avoid serious losses if your business network is compromised.

Property Coverage

Business property coverage protects your items if they are damaged or stolen. Take inventory of your personal items used to operate your business before adding coverage.

Business Interruption Coverage

In the event that a disaster occurs and you are unable to operate your business, business interruption coverage will help your business stay afloat until things are restored.

Commercial Auto Coverage

While you are operating your business from home, if you need to use your vehicle to complete tasks, you’ll need commercial coverage. Commercial auto coverage protects your vehicle if it is damaged while you are using it for business-related endeavors.

CO Insurance Specialist Will Help You Protect Your Business

Visit our website today to learn more information about commercial insurance.