What kind of commercial insurance do I need?

You could face major consequences if your Portland, OR small business doesn’t have the right commercial insurance. There are several kinds of insurance to choose from, and it can be confusing. H & R Insurance Group LLC can answer your questions so you choose the coverage that’s right for you.

Commercial Coverage Options

General Liability Insurance

Almost every small business carries general liability insurance. Required by most commercial leases, this kind of protection protects you from injuries to third parties.

Commercial Property Insurance

This coverage protects the building where your office is located and its contents, such as inventory and equipment. You can bundle general liability and property insurance into a BOP policy for convenience and money saving.

Workers’ Compensation Insurance

This is one of the few kinds of commercial insurance required by law. If one of your employees is injured at work, regular health insurance may not pay. 

Commercial Auto Insurance

Your personal auto insurance will not pay for accidents involving your business.

Professional Liability Insurance

This kind of protection is for professionals, such as accountants or attorneys, whose mistakes lead to potential claims.

Cyber Insurance

Data breaches and cyberattacks are becoming more prevalent. Cyber insurance not only helps to cover associated financial losses, but it can also assist with other issues such as investigators and legal assistance.

Commercial Umbrella Insurance

Umbrella insurance adds a higher level of protection to all your other policies. Once those policies reach their limits, your umbrella policy will kick in and protect you from further financial responsibility.

Reach Out To Us

What are the risks facing your Portland, OR business? You are the one who knows best what kind of risks you face. If you have any questions or would like to discuss adding one of these coverages, please call H & R Insurance Group LLC today.