Business Insurance

There are several different kinds of small business insurance that each protect against different things.

General Liability Insurance

General Liability helps protect the business from damage caused by a third party on your business premises. The damage can be of various types like bodily injury, property damage, or personal injury like slander. This type of insurance helps cover medical expenses, costs of repairs or replacing an item, and/or any legal fees if incurred.

Commercial Property Insurance

Commercial Property insurance helps protect the building and the equipment required to run to run your business from all kinds of risks like fire and theft. When shopping for Commercial Insurance, you may not be aware of all the requirements from your state and the type of coverage that suits your business needs best. Fortunately, you can call us at Four Oaks Insurance Group Inc. to learn more about Commercial Insurance. Our agents are ready to help you choose the proper coverage for your business.

Business Owners Policy

This policy provides coverage for your business from losses like theft, fire, and other disasters covered. It also helps cover any claims that could result from the company’s operation, including property damage and bodily injury.

Workers Compensation Insurance

This form of Commercial Insurance helps cover expenses resulting from your employees sustaining a work-related injury or sickness. It covers things like medical bills, replacing any lost income/wages, funeral costs, and ongoing care.

Commercial Auto Insurance

If your company uses vehicles for day-to-day operations, you need to insure the vehicle and the drivers using them. This type of coverage helps cover things like medical expenses resulting from an accident and the cost of repair or replacing your vehicle. It also covers legal fees/ expenses when you are sued for damages caused by your company’s car.

Health Insurance

Most Americans are now starting to see the benefits and the need to have some form of Health Insurance. While some states do not regulate Health Insurance, it has many benefits encouraging residents to purchase a policy. If you are not sure about purchasing Health Insurance, keep reading for the benefits that can make a difference for you in more ways than one.

Crime Insurance

Businesses and commercial properties are often subject to damages related to crime. These damages could be a result of safe burglary, employee theft, break ins into the property, funds transfer fraud. A Crime Insurance policy protects your business from a variety of crimes committed to your Business or Commercial Property. As a business grows, the company becomes more vulnerable to loss from forgery or alteration, loss of money and/or securities. Crime Insurance helps you keep protected from damages that occur due to any of the aforementioned reasons.

Cyber Liability

As technology has improved, cyberattacks have become more of a risk for small and large businesses. Cyber Liability insurance is an essential insurance product for all businesses to obtain. Data breaches, cyberattacks, and ransomware are all actions that will impact a business’s livelihood.

Commercial Umbrella

Our Commercial Umbrella Insurance is flexible. It can extend the liability coverage of policies you may have with other insurance companies. So, if you have a General Liability Insurance policy from another insurer, we can help extend that policy. Let’s say one of your employees gets into a car accident while making a delivery to a customer. The property damage and bodily injury costs exceed your Business’ Commercial auto liability limits. If you don’t have a Commercial Umbrella policy, you’d have to pay the amount that exceeds your policy limit, putting your business at financial risk. That’s why it’s important to have Umbrella Coverage.