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The Facts About Commercial Insurance

Owning a business is easier when you are confident that you have the right insurance in place. You can turn to us at FOCIS to get help finding the proper coverage.

From protecting company vehicles to your commercial property, we’ll help you every step of the way.

Finding the Needed Coverage

It is hard to know that you’re getting the coverage that you need for your business. You can’t copy what the business next door has because every business has unique needs to their client base and product. You may need a variety of policies which may include:

  • Liability insurance
  • Commercial auto insurance
  • Worker’s compensation
  • Property insurance
  • Business interruption coverage

We recommend having more coverage than you might think you need so that you don’t run into problems. Most businesses need liability coverage. If you have vehicles that you use for company purposes, you will need commercial auto insurance. After that, it will significantly depend on what is unique about your business.

Choosing the Right Policy

Every business is different. The only way to know what kind of coverage you need is to take a good, hard look at your operations. At FOCIS, we have agents that will work with you every step of the way. We’ll look at such factors as:

  • Annual income
  • Number of employees
  • Number of locations
  • Activity risks
  • Value of inventory
  • The number of company vehicles

All of this will be used to determine the kinds of policies you need to be protected from all angles. If something does happen, you can breathe easy knowing that you can file a claim with our insurance company.

Contact us to help you with your business today. We can evaluate your operations and any operational risks, make recommendations, and customize a policy. Plus, we’ll review your policy annually and assess your policy based on how your business changes.

Our Partners:

  • Aetna
  • Allianz
  • American Modern
  • AmTrust
  • BTIS
  • Delta Dental
  • Foremost
  • Hagerty
  • Illinois Mmutual
  • Kemper Prime
  • Legal Shield
  • Med America
  • MetLife
  • National Casualty
  • North American Life
  • Premera Blue Cross
  • Prudential
  • Safeco
  • Travelers
  • Zurich

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