At The Shay Agency, we want you to obtain the best possible coverage for your Wilkes-Barre, PA business. If you own a retail business, your storefront needs different insurance than a law office or a plumber. You need multiple policies.
Retail businesses, including jewelry stores, florists, clothing and apparel stores, grocery and liquor stores, pet shops and pet stores, and electronics stores need an array of coverages starting with a retail business policy. A retail business insurance policy provides a combination of coverages. It includes policy coverage for:
- liability to protect you from lawsuit settlements that could wipe you out from incidents like customer slips and falls,
- property damage from named perils,
- some policies include liability for employee injuries and illnesses.
You should also purchase glass insurance to protect your storefront windows from named perils and vandals. If your windows get broken for essentially any reason, this insurance pays for their replacement.
Boiler insurance also makes good sense as a purchase if the building you own or lease uses a boiler for heat and to heat the water. It also covers other business machinery necessary for the business, such as the key cutting machine at a locksmith’s or copiers at a printing shop.
You will need commercial auto insurance on your business vehicle especially if you use it for deliveries. This policy provides full coverage for the vehicle and is valid for every licensed driver who works at your business.
You also require a workers’ compensation policy. Each state requires this type of policy which pays for the medical care and lost wages of your employees if they incur an on-the-job injury or develop an illness from exposures on-the-job.
Contact The Shay Agency serving Wilkes-Barre, PA for more information on the business insurance that can protect your business. Let us help you get the coverage you need.