There’s a certain amount of risk involved in running any business. An identity thief can open you to liability claims, or an employee might cause an accident worth millions of dollars in damages. Fortunately, you don’t have to face these risks alone. Whether you’re a self-employed attorney or regional manufacturer, Hummel Insurance Services in Oakland, IA, offers insurance quotes to cover every aspect of your business operations. Below are just a few of the commercial options they provide.

4 Types of Coverage From Hummel Insurance Services

1. Commercial Auto Insurance

If you maintain a fleet of commercial vehicles or use your own car for business purposes, a business auto insurance policy is crucial. In addition to protecting your valuable investments, it will also shield you from any injuries or property damage your employees might cause.

2. Business Property Insurance

Your business location and inventory are prone to damage from a wide range of threats, from natural disasters to theft. If you run a business out of your garage, get a business property insurance quote as soon as possible, since your homeowners policy probably won’t cover your equipment, supplies, or products.

3. Business Interruption Insurance

Even if your policy does cover damages to your building, can you afford to shut down while repairs are underway? In fact, approximately 40% of companies that close down after a disaster never reopen their doors, even if they have insurance. A business interruption plan will cover your operating expenses, so you’ll be ready to resume when the repairs are done.

4. General Liability Insurance

If someone is hurt on your property or an accident causes injury to an individual, the resulting lawsuit could shut you down. General liability insurance will pay valid claims for you, along with any legal costs you might incur.

Since the 1800s, business owners and residents throughout southwest Iowa have relied on Hummel Insurance Services for protection against the unexpected. Because they take the time to get to know each of their customers personally, they can offer highly customized policies that give you all the coverage you need without overpaying for premiums. Visit their website now for more information on their services, get more tips on Facebook, and call (712) 482-6424 to request your free business insurance quote today.