Business Insurance

Every business takes time and lots of investment to grow and succeed. And as it grows, so do the risks. You’ve worked so hard for your enterprise to be where it is today, and for that, you need to protect that investment because it only takes one unfortunate event to bring down your business.

As an intelligent entrepreneur, you need business insurance to help cover all known risks. And as such, understanding what business insurance entails is key to getting the right policy from the word go. D4Insurance has prepared for you everything you need to know about commercial insurance.

Business insurance coverages

Are you shopping for business insurance in South Carolina? Here are the insurance options you need to know about to help you decide.

General liability insurance: It covers your business when accused of property damage, bodily injury, or advertising injury. Plus, it covers legal costs, including lawyer fees and settlement claims when sued.
Property insurance: It covers your buildings, inventories, computers, and other assets when disasters listed in your policy strike. Typical risks covered by property insurance include fire, theft, vandalism, and certain natural disasters.
Commercial auto insurance coverage: It covers your commercial vehicles when stolen or involved in an accident.
Workers’ compensation insurance: It covers your employees for injuries or illnesses sustained because of their job. This policy may also cover partial loss of wages and final expenses.
Cyber liability insurance: This insurance policy reduces your financial burden when data breaches occur due to cyberattacks.
Professional liability insurance: Do you offer professional advice to your clients? You should invest in this coverage since it covers you when sued for negligence, incomplete work, or missed deadlines.