As a business owner, you take great pride in your company. Whether you’re a single-person operation or have multiple employees, having the right property insurance is essential to keep your business safe. The team at Mutual Underwriters wants to make sure you’re prepared for any situation you may encounter—here are four types of property insurance you should make sure your business acquires.

Property Insurance

If you own the building you’re working out of, you’ll want to have property insurance. Most of these policies protect you against damage due to vandalism, natural disasters, theft, and fire. That way, you’ll have help covering any of the necessary repairs should something happen to your building.

Flood Insurance

Even if your building is located on a hill or away from water, there’s always a chance that a water main might break or torrential rain could flood your building. Flood insurance will protect your structure and the belongings inside of it in the event of a severe flood.

Liability Insurance

If you have clients and customers coming to your property, you’ll want to have a good liability insurance policy. This policy protects your business from claims of negligence or injuries customers suffered due to the services you provided. General liability insurance covers most of the costs associated with liability claims, but adding an umbrella policy will ensure that your company is fully covered—even if your general liability policy pays you the full value of your policy.

Commercial Auto Insurance

If you or your employees use a company car in the scope of their responsibilities, you’ll want to invest in a commercial auto insurance policy. Though similar to a personal policy commercial auto insurance will keep your employees and your business safe from claims filed as a result of accidents that occurred on the job.

For more information on property insurance policies, or to set up an appointment with a local insurance agent, call Mutual Underwriters at (808) 532-2888. Their agents have helped local business owners with their insurance needs since 1958. Don’t wait for something destructive to happen—contact an insurance agent today.