More than just real estate
Property Insurance protects businesses against damage or loss to their physical assets, whether it's due to fires, thefts, natural disasters, or other unforeseen events.
As a seasoned Insurance agency serving DC, Maryland, and Virginia for over a decade, I've seen firsthand how pivotal this type of coverage is. It's not just about protecting bricks and mortar—it's about ensuring continuity, safeguarding livelihoods, and anchoring communities.
Components of Commercial Property Insurance
Buildings and Structures
Should a fire or other covered peril damage your business premises, this component helps in rebuilding or repair.
Business Personal Property
From office equipment to inventory, ensure your business contents are covered against unforeseen damages.
Outdoor Signs and External Fixtures
Billboards, signs, and external structures are often overlooked.
This caters to the loss of income resulting from a covered peril that interrupts the operation of the business. It's a lifeline for businesses during trying times.
What exactly does General Liability Insurance cover?General Liability Insurance primarily covers bodily injuries, property damage, personal injuries, and advertising injuries that might occur during your business operations. Whether it's a customer who slips in your store or a claim of false advertising, GL is there to protect you.
Can I bundle General Liability with other insurance types?Definitely! Many businesses opt for a Business Owners Policy (BOP) which combines General Liability with Property Insurance, often resulting in cost savings.
What's not covered by General Liability Insurance?While GL covers a broad range of scenarios, it doesn't cover everything. Things like employee injuries, auto-related coverage, intentional acts, and professional errors are usually outside its scope. But don't worry, there are other policies that can cover these gaps.
How can I reduce my General Liability risks?A proactive approach is best! Regularly inspect your business premises for potential hazards, train your employees in safety protocols, and stay updated on local regulations. Plus, always ensure you have a solid insurance policy backing you up.
I only rent my business space. Do I still need GL?Yes. Even if you don't own the space, incidents can occur that may be your responsibility, such as if a client gets hurt on the premises. Plus, many landlords require tenants to have GL.
Does my small business really need General Liability Insurance?Absolutely! No matter the size, any business can face liability claims. A single unexpected claim could be costly for a small business, and having GL ensures you're protected from such unforeseen expenses.
I run an online business. Do I still need GL?Yes, you do. While online businesses might have fewer physical risks, they're still exposed to potential claims like copyright infringement, libel, or slander. It's always best to be prepared.
How much does General Liability Insurance typically cost?The cost varies depending on several factors, including the type of business you run, its location, the number of employees, and the coverage amount you choose. Let's discuss your specific needs to give you an accurate quote!
What happens if a claim exceeds my policy limit?If a claim goes beyond your policy limit, you'll typically be responsible for paying the difference. This is why it's crucial to choose appropriate coverage limits from the get-go.
Why choose All Insured for my General Liability needs?At All Insured, we're not just insurance agents; we're your neighbors. We understand the unique challenges faced by businesses in the DC, Maryland, and Virginia region. Our expertise, combined with our personal touch, ensures you get not just a policy, but a partnership.
COMMON BUSINESS INSURANCE
Needed by almost all
General liability insurance covers bodily injury, property damage from your products/services/operations.
Required in most states
Workers' compensation insurance covers medical expenses and lost wages for on-the-job injuries, while shielding employers from related lawsuits.
Real Estate, Tools, Equipment
Covers buildings, contents, loss of income during claims, protecting against accidents, fire, theft, wind, or structural issues.
43% of small businesses are attacked
Cyber insurance safeguards businesses from financial losses caused by cyberattacks, data breaches, and digital threats. It covers costs like data recovery, legal fees, and customer notification.
BUSINESS INSURANCE SAVINGS
Want to learn more about saving on your insurance costs?
Free insurance review
Your business isn't the same as it was last year, so why should your insurance policies be? Here at All Insured, we get that things change. That's why we offer a free insurance program review. Together, we'll dig into the details and find all the spots where we can beef up your policies and trim down those premiums. Let's make sure your coverage is keeping up with you!
WE ❤️ OUR CLIENTS
Why choose All Insured?
Looking for the best insurance in DC, Maryland, and Virginia?
Look no further than All Insured! Our full-service insurance agency provides customized insurance solutions for individuals and businesses alike. With a focus on meeting the unique needs of our clients, we represent some of the best insurance carriers in the industry, including Erie Insurance, Progressive, Liberty Mutual, Travelers, and more.
At All Insured, we believe that having a choice is the key to taking back control of your insurance costs. That’s why we offer a wide range of insurance solutions, including auto insurance, homeowners insurance, life insurance, health insurance, commercial insurance, general liability, worker’s comp, commercial property, cyber liability, and more.
With a hands-on approach to client satisfaction, we take the time to understand your needs and provide personalized service that is second to none. Whether you are looking for affordable auto insurance or comprehensive homeowners insurance, we have the expertise and resources to help you find the right coverage for your needs.
Trust All Insured for the best insurance solutions in DC, Maryland, and Virginia. Contact us today to learn more!
OUR COVERAGE AREAS
We proudly serve Washington DC, Maryland, and Virginia with the best insurance coverage options. From auto to homeowners to commercial, we have you covered.
At All Insured, we understand that navigating the world of insurance can be complex and overwhelming. That's why we've created this dedicated blog section to serve as your go-to resource for all things insurance-related. Whether you're a seasoned policyholder or a first-time insurance seeker, our blog is here to inform, educate, and empower you to make well-informed decisions about your coverage needs.