Commercial Insurance

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Commercial Insurance

Commercial insurance can protect you from some of the most common losses experienced by business owners such as property damage, business interruption, theft, liability, and worker injury.

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Key Takeaways

  • Premium : You will get premium services with OL insure insurance
  • Deductible : Commercial insurance covers much more than your Commercial itself
  • Digital modernization : OL insure uses digital technology to provide best services

How to shop for Commercial insurance

While no two companies will follow the same process when buying commercial insurance, there are some basic steps everyone can take to get on the right path:

  • Learn more about the many types of the commercial insurance policies
  • Assess your risks.
  • Shop around yourself or work with a reputable broker to assist you.
  • Compare policies based on company rating, coverage and price.
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Commercial Insurance Policies Covers

Getting numerous quotes allows you to compare both the cost and the coverage being offered by Commercial insurance companies. Remember that the cheapest quote may not be the best. Making sure that your most valuable asset is fully protected is crucial when comparing policy options.

Have a look at our rundown below to see the best process for comparing the quotes that you receive.

1 Choose how to get quotes

The first step is to get the quotes themselves. You have a few options for this, including visiting a local Commercial insurance agent, contacting an insurer directly online or over the phone, or going through an online marketplace such as The Zebra. The great thing about using a quotes comparison site like The Zebra is that you get the chance to compare Commercial insurance quotes side-by-side from multiple companies at once, saving you time and — very likely — money.

2 Compare cost

The cost is probably the first thing that will grab your attention. While it's important to fit your Commercial insurance into your budget, remember that the cheapest policy isn't necessarily the best one. If a quote is exceedingly low, make sure that it actually provides the coverage that you need.

3 Compare coverage

One of the most important parts of shopping for Commercial insurance is finding a policy that fully covers you, your Commercial and your belongings. This includes both coverage types as well as your coverage limits. Learn more about how much coverage you need.

4 Compare deductibles

A big contributor to how much you pay per month on your Commercial coverage is the cost of your deductible. A lower deductible often means higher monthly payments. Just be careful not to set your deductible so high that you may struggle to meet it should you need to file a Commercial claim. Also, make sure to consider whether there are separate deductibles for perils such as hurricanes or windstorms.

5 Compare companies

The reputation of your Commercial insurance carrier should be considered when choosing a policy. It's important to go with a trusted insurance company that is responsive and able to resolve claims in a positive and timely manner. Find more information in our guide to the best Commercial insurance companies.

Commercial Insurance Policies Covers

  • 1. Property damage
  • 2. Liability claims
  • 3. Business interruption
  • 4. Employee injuries or illnesses
  • 5. Product liability
  • 6. Professional liability
  • 7. Cyber liability
  • 8. Employer's liability
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