Business & Commercial Insurance
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Business & Commercial Insurance Information
Business Insurance in Waynesville, NC Canton, NC and surrounding areas
It’s More Than a Job – It’s Your Passion.
 All businesses face hazards that could create problems both for the company and those associated with it. These problems may be costly and lead to far-reaching consequences. However, if your business carries the proper insurance, you will have the resources to overcome these challenges.
Getting the right business insurance means customizing your policy portfolio to your needs. You can rely on Overbay Insurance Services of Waynesville to help you get the right coverage. A family-owned business since 1984, customers throughout western North Carolina trust Overbay’s experts to provide all their business insurance and risk management solutions.
To get your business insurance, call us at 828-452-4699 to request your free quote now.
What Is Business Insurance?
Business insurance gives you financial protection from losses that can occur during normal business operations, including:
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Employee dishonesty, embezzlement, theft or other internal misconduct
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Lawsuits by customers, employees or other parties
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Employee injuries
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Cyberattacks
No matter how large or small your business, any challenge could be a financial setback, and these are costs that you shouldn’t have to worry about being able to afford. By having the right business insurance, you’ll be able to turn to your coverage for assistance. Your coverage will protect your bottom line and operations and enable your company to move on from these challenges.
What Does Business Insurance Cover?
Your Overbay Insurance agent understands that to get comprehensive business coverage you need various policies. Our job is to help you get the essential policies, including:
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Commercial property insurance—If something damages physical property, such as your building or possessions, this coverage can help you repair or replace them.
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General liability insurance—This coverage pays if the business is at fault for property damage or bodily injuries to another party, such asa client or vendor. The policy will compensate the affected party while also covering legal expenses related to a liability lawsuit.
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Business interruption insurance—This coverage helps you pay the bills if you must temporarily close after a damaging accident. It might pay for overhead expenses, employee salaries and related costs.
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Commercial auto insurance—When the company owns vehicles, this coverage will supply physical damage, liability and other protection to help the business afford the costs of wrecks or other vehicle hazards.
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Workers’ compensation insurance—If an employee gets hurt on the job, they are often eligible for workers’ compensation. It will supply them with supplementary income during their recovery.
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Professional liability insurance—Your professional advice or services could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Other policies that can protect you against specific risks include:
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Employment practices liability insurance (EPLI)
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Products/completed operations liability insurance
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Cyber liability insurance
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Commercial umbrella insurance
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Hired/nonownedauto liability coverage
In some cases, business owners may qualify for a bundled business policy called a business owners policy (BOP). A BOP will offer essential coverage—commercial property, general liability and business interruption—in a single package.
How Much Business Insurance Do I Need?
Businesses must customize their commercial insurance portfolio, and your Overbay agent will help you analyze the various factors that influence your coverage needs. We will ensure that your policies include the coverage limits, deductibles and other terms that will provide the right amount of protection at the correct times.
What Will My Business Insurance Cost?
Numerous factors can influence the price of your commercial insurance, and different plans will have various costs. We understand that you might have concerns about the burden that your policies will place on your budget. We will work with you to get you coverage that offers you the best value.
Don’t wait any longer to get the coverage you need. Just call us at 828-452-4699 or request a quote today to learn more.
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