Insurance for Service Businesses

Commercial Property Insurance Advantages

• Newly acquired property
• Business Income for dependent properties
• Utility services
• Glass
• Electrical or mechanical breakdown
• Water back-up from sewers and drains
• Fine arts
• Outdoor signs and fences
• Outdoor trees, shrubs and plants
• Fire/water legal liability
• Ordinance or law
• Business personal property
• Employee dishonesty including ERISA
• Property in transit
• Business computers

General Liability Business Insurance Advantages

• Blanket additional insured – broad form vendors 
• Broad named insureds
• Newly formed/acquired entities

Business insurance requirements vary depending on the state where your business operates. However, keep in mind that most states require companies with one or more employees to purchase Workers Compensation, at a minimum. Check your state guidelines or speak to your local agent to determine your state’s Workers Compensation insurance requirements.

If your service business uses cars, trucks, or vans to conduct daily operations, you likely need Commercial Auto insurance. The extent of coverage you carry will likely depend on how your business uses its vehicles and the types of vehicles it uses. Your local insurance agent can help you determine what coverage you need.

Selective makes it simple to get an insurance quote for your service business. Simply find a local agent, and they will work closely with you to determine the right protection for your unique business.