Businesses come in all shapes and sizes, and with all different kinds of risks. Whether you’re running a small storefront or a large corporation, it’s important to protect yourself from the unexpected with commercial insurance. State Farm, one of the largest insurance providers in the United States, offers a range of commercial insurance options to suit the needs of any business.
Types of Commercial Insurance Offered by State Farm
State Farm offers a variety of insurance options to cover a wide range of business risks. These include:
Insurance Type |
What it Covers |
General Liability Insurance |
Covers third-party bodily injury, property damage, and advertising injury |
Commercial Property Insurance |
Covers physical damage to your business property, such as buildings and equipment |
Business Auto Insurance |
Covers damage or injury caused by vehicles owned or operated by your business |
Workers’ Compensation Insurance |
Covers employees who are injured or become ill on the job |
Umbrella Insurance |
Provides additional liability coverage beyond the limits of your primary policies |
State Farm also offers several specialty insurance products, such as professional liability insurance, cyber insurance, and surety bonds.
General Liability Insurance
General liability insurance is a must-have for any business. It provides coverage for injuries or damage that occur on your property, as well as injuries or damage caused by your products or services. With general liability insurance from State Farm, you can protect your business from the financial impact of lawsuits, medical expenses, and property damage.
State Farm’s general liability insurance can also be customized to meet the needs of your business. You can choose from a variety of coverage options, including:
- Bodily injury and property damage
- Products and completed operations
- Premises and operations
- Contractual liability
- Liquor liability
Commercial Property Insurance
Your business property is a valuable asset, and it’s important to protect it from unexpected events such as fire, theft, and natural disasters. State Farm’s commercial property insurance provides coverage for buildings, equipment, inventory, and other property owned by your business.
With commercial property insurance from State Farm, you can choose from a variety of coverage options, including:
- Building and personal property coverage
- Business income coverage
- Extra expense coverage
- Spoilage coverage (for perishable goods)
- Equipment breakdown coverage
Business Auto Insurance
Business auto insurance provides coverage for vehicles owned or operated by your business, including cars, trucks, and vans. State Farm’s business auto insurance provides coverage for liability, collision, and comprehensive damage, as well as coverage for uninsured and underinsured motorists.
With State Farm’s business auto insurance, you can choose from a variety of coverage options, including:
- Liability coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
Workers’ Compensation Insurance
Workers’ compensation insurance provides coverage for employees who are injured or become ill on the job. This coverage includes medical expenses, lost wages, and rehabilitation costs. State Farm’s workers’ compensation insurance can help protect your business from the financial impact of workplace injuries or illnesses.
State Farm’s workers’ compensation insurance can also be customized to meet the needs of your business. You can choose from a variety of coverage options, including:
- Medical benefits
- Lost wages
- Rehabilitation costs
- Death benefits
- Employer’s liability coverage
FAQ
What is the cost of State Farm’s commercial insurance?
The cost of State Farm’s commercial insurance will depend on a variety of factors, including the type of coverage you need, the size of your business, and your claims history. To get an accurate quote, it’s best to contact a State Farm agent directly.
What does general liability insurance cover?
General liability insurance covers third-party bodily injury, property damage, and advertising injury. This includes injuries or damage that occur on your property, as well as injuries or damage caused by your products or services.
What does commercial property insurance cover?
Commercial property insurance provides coverage for buildings, equipment, inventory, and other property owned by your business. This coverage includes events such as fire, theft, and natural disasters.
What does business auto insurance cover?
Business auto insurance provides coverage for vehicles owned or operated by your business, including cars, trucks, and vans. This coverage includes liability, collision, and comprehensive damage, as well as coverage for uninsured and underinsured motorists.
What is workers’ compensation insurance?
Workers’ compensation insurance provides coverage for employees who are injured or become ill on the job. This coverage includes medical expenses, lost wages, and rehabilitation costs.
Why do I need commercial insurance?
Commercial insurance is important for any business because it helps protect your business from unexpected events such as lawsuits, property damage, and workplace injuries. Without the right insurance coverage, your business could be at risk of financial ruin.
By choosing State Farm for your commercial insurance needs, you can have peace of mind knowing that you’re getting reliable coverage from one of the largest and most respected insurance providers in the country.
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