Ken Boldt Insurance Agency II, Inc.

2205 Greensburg Rd
Green, OH 44720

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Commercial Insurance Options for Your Ohio Business

If you own a business in Ohio, there are two types of commercial insurance you are required to carry on your business. These include commercial auto liability insurance and worker’s compensation insurance. The commercial insurance agents at the Ken Boldt Insurance Agency II Inc. in Green, OH understand the importance of keeping your business protected and secure.

Commercial Auto Liability Insurance

In the state of Ohio, all drivers must have at least a liability auto insurance policy. This will cover injuries or property damage that occurs in an accident that is your fault. This applies to any vehicle owned by your business and any personal vehicles used to conduct business for your store or company.

Worker’s Compensation Insurance

If you have any employees working for your business in Ohio, you must have a worker’s compensation insurance policy in place. This will cover any injuries or illnesses that your employees suffer due to their employment with your business. This type of insurance will help pay their medical bills in their time off of work.

General Liability Commercial Insurance

A general liability commercial insurance policy will protect you if a customer or someone else is injured at your business or due to something involving your business. This means if someone slips and falls in your store and breaks their arm, their medical bills will be covered by this part of your commercial insurance policy.

Property Damage Insurance

Property damage insurance will cover your business if destroyed or damaged by a fire, natural disaster, or vandalism. This type of policy will also cover your products if a theft incident occurs at your business.

To create a policy for you in your business that contains all of the coverage options you need, you should contact the experienced and trusted commercial insurance agents at the Ken Boldt Insurance Agency II Inc. in Green, OH today to get your policy started.

Five Things to Know about Commercial Insurance

As a business owner in Green, OH, you need an understanding of how commercial insurance can be used to protect your business assets, reputation, and employees. There are some things you should know when shopping for commercial insurance with an agent at Ken Boldt Insurance Agency II, Inc.

1. What is commercial insurance?

Commercial insurance can be comprised of different categories. You likely need general liability insurance, property insurance, and commercial auto insurance if you have company vehicles. You may also want to consider workers’ compensation insurance.

2. Why do you need insurance?

Through the different categories, a solid commercial insurance policy can protect your business from theft and damage, protect you if someone is injured at your property, help if your property suffers damage, and insure your company’s cars and drivers.

3. What do you need for a commercial insurance quote?

When getting a quote, you will need information about your property, such as the building dimensions. You also need a record of the property inside, such as office supplies and equipment, machinery, furniture, and mobile equipment. You will need employee and general financial information to help with the liability premium. You also should have your current policy on hand to make sure you aren’t being over or underinsured.

4. Is business insurance deductible?

Business insurance can be deductible if it covers business or trade operations. It is not deductible if it includes any loss of earnings or a self-insurance reserve fund.

5. Is commercial insurance required by law?

In Ohio, you are required to have workers’ compensation insurance if you have one or more employees. Other insurance is not required, but it is always a good idea to have to protect your business.

Contact Ken Boldt Insurance Agency II, Inc. to get a quote on commercial insurance. 

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