Commercial insurance offers more than 25 common types of insurance. Daniel Carinici Agency LLC in Pittsburgh, PA can help you cover the five most common types of commercial insurance coverage.

Here are some of the many specialty types of insurance like glass insurance, boiler insurance, etc.

Commercial Coverage for Structures and Other Property

Your Pittsburgh, PA, business needs more than a business owners policy (BOP) or liability policy. Your company also needs to cover the building it owns, its inventory, business equipment, and other assets. To do this, you may need to add one more of the following types of coverage to your commercial policy package:

• Accounts receivable insurance
• Auto physical damage insurance
• Boiler and machinery insurance
• Builder’s risk insurance
• Commercial building policy
• Commercial crime insurance
• Farmowners insurance
• First-party cyber insurance
• Glass insurance
• Inland marine insurance
• Ordinance or law insurance.

Don’t worry if that seems like a lengthy list because most businesses only need a few of the types listed.

Determining Which Insurance Coverage Your Business Needs

Your Daniel Carinici Agency LLC insurance agent provides the best source of knowledge about which coverage your company needs. Our agents meet with you to discuss your business, asking questions that uncover hidden coverage needs. For instance, a business might purchase its first commercial vehicle after three years of doing business. That triggers a need for commercial auto insurance even though the company only owns one fleet vehicle.

Contact Us Today for a Review

Don’t get caught without the commercial insurance coverage your Pittsburgh, PA business needs to succeed. Contact our insurance office for an insurance review. Let us help you determine if your business needs glass insurance or cyber insurance.

Commercial insurance is essential for business owners, regardless of the size of your business. However, the types of insurance you’ll need depend on your business. At Daniel Carinici Agency LLC in Pittsburgh, PA, we offer commercial insurance. 

Types of Commercial Insurance

General Liability Insurance 

General liability insurance will provide protection from most types of liability claims. If someone is injured or their property is damaged while on your premises, this policy will cover the expenses. 

This policy also covers some other concerns, including false advertising and slander. 

Commercial Property Insurance 

 Commercial property insurance covers any property that you own or lease as a part of your business. This includes stores, manufacturing centers, and office buildings. 

Property insurance covers the structure itself and your possessions and equipment.  If your building or property is damaged, this coverage will pay for repair or replacement. 

Worker’s Compensation 

Worker’s compensation insurance covers your employees. If you have one or more employees, PA law requires you to have this policy. 

If an employee is injured on the job, worker’s compensation will cover lost wages and medical expenses. 

Professional Liability Insurance

You should consider professional liability insurance if you offer a service as part of your business. If a customer is harmed by the service you provide, this policy provides financial protection.

For example, if you make an accounting error that costs your client money, professional liability coverage will cover the costs. 

Business Interruption Insurance

Business interruption insurance is a great idea if you have a small or medium-sized business. If you are unable to conduct business due to property damage, this policy will cover your lost income until your business can become active again. 

Reach Out To Us

If you need commercial insurance in Pittsburgh, PA, contact us at Daniel Carinici Agency LLC. Our knowledgeable agents will help you determine which policies your business needs.