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Business Insurance

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Don't wait until it's too late. Take the proactive step of securing your business's future today.

What is Business Insurance?

Business insurance is designed to protect commercial enterprises that offer products or services to customers. This type of insurance can yield plenty of funds for legal services, facility restorations, replacement of stolen valuables and much more.

Who it is For

This insurance can be validated for entities that operate for a profit. Some common examples of classifications of businesses that are open to earn revenues include limited liability corporations, partnerships and entrepreneurship. In most cases, each owner of a business has to contribute equally to the insurance payments. Non-profit organizations and government agencies would not be able to obtain this type of insurance policy.

How it Works

Before a business can be insured, it has to be thoroughly evaluated. An insurance agency carefully analyzes various factors that focus on the risk factors of a given business. For example, the financial history of an enterprise might be reviewed. Similarly, the criminal records of employers and employees can also be considered by insurance agency. The net assets and other valuables often determine the coverage that is available for a given business. As long as an enterprise is open to earn a profit, it has to pay a monthly insurance premium to be eligible to file claims.

Different Types of Coverage in Existence

A business can insure its physical possessions that are used for daily operations such as furniture, hardware and electronics. Coverage is also available for a given inventory that is sold for a profit. The infrastructure of a commercial facility could be insured against man-made damage and natural disasters. In today’s digital age, it’s also possible to insure virtual property such as databases and domain names. Entire websites can be insured against cyber attacks and other online threats.

Major Benefits

Business people can protect their enterprises with this type of insurance policy. If a business is sued, it can use insurance money for legal defense against libel, slender, personal injuries and malpractice. This type of insurance could also deliver some critical funds to keep a business open in dire situations that would otherwise lead to bankruptcy and closure.

Great service and always available!
Allison Clayton
Already did this. But won't hesitate again to let others know this is a top notch company and I'm so blessed to have them working w me!
Peggy Whalen
Jim Graham is extremely knowledgeable, attentive and kind. He took so much care and time to find the right cocktail of insurance for my business's specific needs!
Autumn Stankay
I highly recommend Graham Insurance group. Great customer service, friendly people, and always is looking at your best interest.
Dominic DiDonne (Dom & Nikki)
Locked my keys in my car on a Sunday and called the roadside assistance and had my car unlocked within the hour. Very easy and quick the guy also asked if I was OK and in a safe location.
Nicholas Prettiman
My father was with Graham Insurance and when I needed insurance I went to them as well. They have always been professional and helpful. Even though I rarely called them they know who I am as soon as I told them my name. I highly recommend them for all your insurance needs.
I have been with nationwide for years, they have always been friendly, helpful and professional. I have always been able to count on them for my auto and home insurance.
Laura Wilkinson
We have been with Graham Insurance for decades. Always a no-hassle experience and very competitive rates. A huge thanks to Ronni who helped us recognize our new coverage needs and completed the process seamlessly.
Kimberly Bringe