Business Insurance

Business owners have to make decisions on a daily basis that affect both employees and customers.  One of the most important decisions you will have to make will be selecting the insurance policies and coverage to adequately protect your business.   You will find that there is insurance available for every risk your business could potentially face.  Some insurance is required by law, while there are a number of policies that are optional, yet very valuable.  It is important to keep in mind that required insurance does not always offer an adequate level of protection.  At Greenwald Berk Agency we will review your business model and goals to determine which options offer the level of coverage you need. 
 
There are a variety of insurance types that fall under the umbrella of Business Insurance.  Typical coverage provided in a business insurance program can offer protection for:
 
•           Damage or loss to the business location and its contents.
•           Commercial vehicles.    
•           Lawsuits resulting from injury or property damage to others.
•           Interruption of normal business operations.
•           Benefits for employees who are injured on the job.
 
Worker’s compensation, liability, and property insurance are the three most common business insurance policies.  You will find these in just about every business insurance program.
 
Worker’s Compensation is required by law in the state of Pennsylvania if you employ at least one person.  This policy will ensure that employees who are affected by a work-related injury or illness receive prompt medical treatment and adequate compensation for wages lost.  Worker’s Compensation also protects you as an employer from lawsuits that could arise from such injury or illness.
 
Liability insurance offers protection against negligence and/or injury to clients or other third parties.  This can include bodily injury, property damage, and personal injury (damage to a person’s reputation or rights).  Attorney fees, damages, and medical expenses that you would incur as the business owner would be covered under liability insurance. 
 
Physical assets including the building and its contents such as inventory and furniture are protected under property insurance.  This may also cover outdoor items such as signs or landscaping. 
 
You will find that a number of other business insurances exist, but how do you know which are the right choice for you?  It is our goal to understand your business as best as possible so that we can provide you with meaningful options and sufficient coverage for all situations you may be faced with.  Some available options include:
 
•           Business Interruption Insurance
•           Business Crime Insurance        
•           Commercial Auto Insurance
•           Umbrella Insurance Coverage
 
Business insurance is vital to protecting your business, your employees, and your clients.  Contact the Greenwald Berk Agency at 570-288-7890 to speak with one of our experts about the business insurance options that make the most sense for you.  You may use our Business Insurance Tool to get started as well!
 
Greenwald Berk Agency specializes in the following insurance throughout the Kingston, Scranton, and Wilkes-Barre areas:
•    Auto Insurance
•    Homeowners Insurance
•    Flood Insurance
•    Business Insurance
•    Group Health Insurance
•    and more!


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