Question 1

What types of commercial insurance do most businesses need?

Accepted Answer

Most businesses need general liability, commercial property, and workers' compensation. Your specific needs depend on your industry, number of employees, state requirements, and contractual obligations. A licensed agent can assess your risks and recommend the right coverage mix.

Question 2

How much does commercial insurance cost?

Accepted Answer

Commercial insurance costs vary by industry, coverage limits, business size, and location. General liability typically starts at $500–$1,500/year for small businesses. Workers' compensation rates are based on payroll and job classification. Contact Casurance at 1-888-254-0089 for a free quote tailored to your business.

Question 3

Is general liability insurance required by law?

Accepted Answer

General liability is not mandated by most states, but many clients, landlords, and contracts require proof of coverage. Workers' compensation is legally required in most states for businesses with employees. Some industries have additional mandatory coverages.

Question 4

What is the difference between general liability and professional liability insurance?

Accepted Answer

General liability covers physical incidents — third-party bodily injury and property damage from your operations. Professional liability (E&O) covers financial losses clients suffer due to your professional errors, mistakes, or failure to deliver services as promised.

Question 5

How quickly can I get a commercial insurance quote from Casurance?

Accepted Answer

Casurance typically delivers quotes within 24–48 hours for most commercial lines. Same-day quotes are available for general liability, workers' comp, and commercial auto for qualifying businesses. Call 1-888-254-0089 for urgent coverage needs.

Commercial Insurance: Frequently Asked Questions

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