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A3 Insurance
A3 Insurance
  • FAQs

    Q: Why do I need business insurance?

    Your business needs business insurance because of the many risks and potential threats to its successful and continued operation; good, tailored business insurance policies can help protect you and your venture as much as possible. 

    Q: What is commercial general liability insurance?

    Liability insurance (also known as Commercial General Business Liability) protects a company’s assets and pays for obligations – medical costs, for example –incurred if someone gets hurt on your property or when there are property damages or injuries caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement or award should you be successfully sued.  Typically these include compensatory damages, nonmonetary losses suffered by the injured party, and punitive damages.  

    Q: Can I get a policy that combines different types of insurance?

    Yes. A business owner's policy (BOP), often appropriate for small to medium-sized businesses, usually includes property, casualty, liability, and business interruption coverage; you're likely to pay less expensive premiums with a package deal instead of buying the policies separately  

    Q: Do I need liability insurance for my business?

    We live in a litigious society and even if you think you’re unlikely to face a claim, getting insurance is a wise investment that doesn’t cost much – annual premiums are much lower than you may expect. 

    Q: How often should I review my insurance coverage?

    At the very least, you should review your business insurance annually. However, if your business changes – let’s say you purchased additional operating equipment – then you should connect with your independent insurance agent prior to the purchase to make sure your current policies fit your current needs.