Commercial Insurance in Nevada

This type of insurance protects businesses, their employees and owners. It covers businesses against losses arising from various events such as employee injury at the workplace, and damage to property belonging to the business. Commercial insurance includes the employer’s liability and public liability. The insurance policies for businesses may be as different as the businesses themselves. This may boil down to the unique needs of each business, which our agents are well equipped to address. At Hinman & Associates Insurance in Reno & Sparks, Nevada, we offer commercial insurance.

What type does your business need?

Many small businesses prefer one convenient insurance package which includes general liability insurance, commercial property insurance, and crime insurance. This package is known as a business owners policy. Industry-based coverage is also an option business owners may explore. The cost is a major component of any insurance policy and needs careful consideration. Other factors that need to be considered before selecting a commercial insurance policy include;

• Years in business
• Does the business lease, rent, or own the buildings in which they operate
• Does the business rent or own the vehicles it operates
• Location
• Gross annual revenue
• Number of employees

For most businesses today, professional indemnity and public liability are wise covers while the employer’s liability cover is very important if you have a staff of at least one. Employer’s liability coverage is also a legal requirement, so make sure you are not breaking the law.

Are there any other covers?

Besides the well-known ones like employer’s liability, professional indemnity, or public liability cover, businesses can be offered extra protection with other specialist commercial insurance covers such as;

• Stock insurance
• Plant and machinery insurance
• Business contents insurance
• Tools and equipment insurance
• IT equipment and laptop cover
• Business buildings insurance
• Product liability insurance
• Business interruption insurance

At Hinman & Associates Insurance in Reno & Sparks, Nevada, our agents have the required expertise and training to help you find the most suitable commercial insurance policy for you. Each business is unique, so too is every commercial insurance policy. Get in touch by calling or visiting us today for a unique quote.