Every company, large and small, has unique risks. Some businesses have workers who operate heavy machinery. Others drive drive vehicles while on the job, or  serve food and alcohol, or handle toxic substances. Doctors and hospital staff handle patients, body fluids, sharp needles and equipment.
Some employees handle sensitive documents, data, or money, potentially opening the door to business fraud. For these reasons, every company needs commercial insurance coverage specifically matched to the risks of the enterprise.
What to Protect Against
Determining the risks your businesses face and making sure you have the right commercial insurance in place requires an evaluation of a wide range of factors, including:
• Your business needs
• How you serve your customers
• How many employees you have on staff
• The materials or substances those employees handle
• Whether your employees drive in the course of their work
• The safety of your building, equipment, and processes
• The security of your data and intellectual property
• Risks facing your corporate officers
To assess your business insurance needs, start by contacting the independent agents in the Trusted Choice network at Wade Insurance Agnecy who specialize in commercial insurance. Our agents can fully address every aspect of your business coverage and help to ensure that you do not have gaps that could leave your businesses exposed to financial risks, including:
- Property damage from fire, storms and accidents
- Liability in many forms, including product liability, accident/injury liability, libel, malpractice and professional liability or “errors and omissions†risks
- Fraud, embezzlement, extortion
- Cyber-crime and data loss
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