Protecting a company from the unexpected is why most owners say it's worth it to have a comprehensive business insurance plan. Unfortunately, there might come a time when an entrepreneur will need to file a claim to financially recover from property damage or theft. Here are a few of the most common claims insurance providers continue to consistently see.

Among the frequently filed business insurance claims are those involving accidents that cause physical injuries to customers. In addition to suing a company for medical expenses, a customer might also include wage loss while they recover from their injuries. Having a reliable policy in place helps business owners pay for these types of claims.

Burglaries, theft, and vandalism are also some of the most common claims filed to business insurance providers. Depending on the extent of the damage, the cost to repair affected areas varies widely. Just as with homeowners and auto insurance, some providers will provide discounted premiums if companies install anti-theft and security systems.

Injuries caused by defected products continue to top the list of frequently filed business insurance claims. Whether it's an isolated incident or massive recall, the recovery expenses can be fractional or expensive. Business owners who ensure they have the right type of product liability coverage in place can minimize some of their financial losses.

Floods, caused by either internal accidents or natural disasters, are another popular claim seen by insurance providers. From frozen pipes to leaking roofs linked to hurricanes and deadly storms, the damage can be extensive. With comprehensive coverage in place, companies can receive appraisals to determine if it's more financially feasible to make repairs or replace affected structures.

Unfortunately, more companies are experiencing attacks to their online networks. Cyber thieves can hack systems to steal customers' personal information. This includes PINs, bank accounts, birth dates, or Social Security numbers. Insurance providers are seeing a growing increase in data breach claims, and the trend is expected to continue.