Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
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Business & Commercial Insurance Information
Insurance for Businessowners Across the Delmarva Peninsula
Every business is inherently different. While your industry and are of operation may be the same as your neighbor’s, your business is unique because of who started it and how it operates. This means that any business insurance policy
won’t suit every business, either. Instead of purchasing a policy that costs too much and doesn’t have enough coverage, you deserve business insurance tailored for your needs and your budget.
The insurance professionals at Wilgus Insurance Agency Inc. are dedicated to bringing business owners comprehensive and affordable business insurance
across industries. We will help evaluate your business’ risk so that you can tailor a policy specifically for your coverage needs.
What Does Business Insurance Cover?
General liability insurance protects your business from claims concerning non-professional negligence. It covers three main areas:
Property Damage: Property damage liability provides compensation to those whose property is destroyed or damaged as a result of the business’ everyday activities.
Personal and Advertising Injury: Personal and advertising injury covers claims against the business concerning libel, slander, copyright infringement, theft of an advertising idea and more.
Another side of general liability also protects your business in case of lawsuits related to the above, including coverage for court fees, defense costs, settlement expenses and more.
There are additional liability options aside from general liability that can be tailored for your business, including:
Products Liability: Products liability provides coverage for claims concerning bodily injury and property damage caused by a product manufactured or offered by the business.
Cyber Liability: Cyber liability insurance covers claims concerning breached, damaged or destroyed information stored electronically.
Umbrella Liability: Umbrella liability insurance fills in the gaps in the business’ other liability policies.
Workers compensation protects your employees and your business in case of a workplace injury. This insurance can cover medical expenses, disability benefits, wage replacement and more.
Commercial Auto Insurance
Commercial auto insurance covers vehicles owned or used by a business for work purposes. If your business concerns travel or transportation, you may need commercial auto insurance to protect the vehicles, drivers, passengers and everyone else on the road. These policies may include a range of coverages also available on a personal auto insurance policy such as comprehensive coverage, collision coverage, liability, medical payments coverage and uninsured/underinsured motorist coverage.
Protect Your Business
Don’t wait for an accident to get the right policy that your business deserves. Connect with an insurance professional from Wilgus Insurance Agency Inc. by calling 410-742-8240 or fill out an online quote form
to get started today.
How Many Employees Do You Need for Small Business Insurance?
Common Business Insurance Questions
The categorization of small business varies depending on your industry, ranging anywhere from 100 to 1,000 employees. Be sure to speak with an insurance agent if you’re not sure what size category your business fits into.
How Much is Business Insurance?
premiums vary depending on your location, industry, size, claims history and other factors. Fill out an to find out how much you can save on business insurance today.
What Kind of Business Insurance Do I Need?
Every business’ insurance needs are different. In some industries, you may be required to carry certain forms of insurance, such as liquor liability or commercial property insurance. Be sure to check with your industry’s requirements and speak to an insurance agent about the unique risks your business faces.
Who Needs Business Insurance?
Essentially every business, big or small, needs business insurance. Business insurance can protect business owners and their assets in case of accidents, disasters or lawsuits that would otherwise put them in a bad financial situation.
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