When you own a business, many risks come along with it. Every business has particular risks, and getting a risk assessment can help identify your risks. Some risks are common to most businesses. At Smith Insurance Agency of West Virginia in Kingwood, WV, we will get to know you and your business and offer you the needed options. As an independent insurance agency, we provide more options.

Commercial Liability Insurance

One thing you can be pretty sure of as a business owner is that, at some point, you will be sued. It may be a customer, a vendor, or even an employee, but you will be hit with legal action. The legal expenses alone can sink a business, let alone a judgment against you. That makes having commercial liability insurance especially important for the financial health of your business. This is one area where you should not skimp and may even want to consider a business umbrella policy.

Commercial Property Insurance

This insurance protects the physical building where you do business and all the things you use to do business. It is vital even for those who rent their buildings. It will cover your inventory, office equipment, machines, raw materials, display units, tools, and anything else you use for business.

Commercial Auto Insurance

You should have commercial auto insurance if you own commercial vehicles or use your personal vehicle for business. Your personal auto insurance does not cover business use.

Workers’ Compensation Insurance

In West Virginia, all employers are required to carry workers’ compensation insurance for their employees.

For all your commercial insurance needs, contact the Smith Insurance Agency of West Virginia team in Kingwood, WV.