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Lee Insurance Agency LLC

119 W South Railroad St, PO Box 1212
Four Oaks, NC 27524

What You Need To Know About Commercial Insurance

Proper insurance coverage is a big part of your responsibilities as a business owner. Not only is this an important way you can protect yourself and your company, but it is also an important way to protect your customers and employees. At Lee Insurance Agency LLC in North Carolina, we are here to help business owners make the best possible insurance choices.

Is Commercial Insurance Required?

Each state has its own laws which govern which types of insurance an employer is required to have. However, simply depending on the minimum required types of coverage is not the best way to keep your company protected. To truly protect the investment of time and money you have put into your business, you need a commercial insurance policy that will provide protection for you, your employees, and your customers and clients. 

What Does Commercial Insurance Cover?

Commercial insurance coverage is actually a bundled product that includes different types of insurance coverage. Let’s take a look at the three main types of coverage. 

Property coverage– If you operate your business from a brick-and-mortar location, you will need to have property insurance in place. This type of coverage will pay for repairs or replacement of property or equipment should it be damaged or lost due to fire, natural disaster, or burglary. 

Vehicle coverage– If you operate vehicles as part of your daily operations, you will need auto insurance in place for the vehicles and the drivers. 

Liability– Liability coverage is there to help pay for expenses that could result from actions being taken against you. In the event that an employee or a customer is injured at your place of business or because of your goods or services, this coverage will kick in to help pay for the expenses that could be incurred. 

Get Commercial Insurance Today

If you would like to learn more about commercial insurance, please contact us at Lee Insurance Agency LLC, now serving residents in North Carolina. 

A Guide To Help Businesses Find The Right Commercial Insurance Policy

Lee Insurance Agency LLC assists residents throughout North Carolina by helping them find multiple types of insurance coverage. We offer our clients policies that suit their individual needs. We are proud to serve the community.

Commercial Insurance

As a business owner in North Carolina, it’s important that you protect your investment. Commercial insurance will assist you as you deal with many of the challenges associated with running a business daily. The policy primarily protects your business against an emergency that could damage the long term future of your business.

You will also be protected if your property and inventory are damaged or stolen. Business interruption coverage protects your business if a natural disaster causes severe damage to your business and leaves you unable to operate or perform daily tasks for an extended period of time. Liability coverage is also important. Accidents can happen at any time. Liability coverage protects your business if a customer is injured on the premises or if a faulty product damages them. You can add workers’ compensation to protect your business and your employees if one of your employees gets injured in the workplace.

You can amend your policy based on your needs. If using vehicles is an important part of your business, you can add commercial auto coverage. This will cover your vehicles while you and your employees are out on the road, and a collision occurs. Commercial vehicles are also protected if they are vandalized or someone attempts to steal them.

If you have a large online presence, consider adding cyber liability coverage. Your business will be protected if hackers infiltrate sensitive data related to your business. The policy also covers you if someone alleges slander based on an online post.

Lee Insurance Agency LLC Will Help You Protect Your Business

For more information on commercial insurance, visit our website today!

Partner Carriers

  • AAA
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  • Cabrillo Coastal
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