Business & Commercial Insurance
Business & Commercial Insurance Information
Coverage for Your Business in Tulare and Visalia, CA
No matter what business you are in, you dedicate each workday to doing your job well and providing your customers with the best service possible. Hooper, Spuhler & Sturgeon Insurance Services would like to return the favor by giving you the coverage you need to ensure the security of your business.
At Hooper, Spuhler & Sturgeon Insurance Services, we’re committed to keeping your business protected so you can focus on day-to-day operations. And with the right insurance plan, you can rest assured your business is covered from top to bottom.
What Types of Insurance Should a Business Have?
Numerous coverages can be bundled together as business insurance to give you comprehensive coverage. Common insurances that many businesses use include:
Commercial property insurance—This coverage helps you if your business experiences a loss such as a fire, explosion, burst pipe, storm or theft. This insurance compensates you for losses or damage to your building, leased or owned equipment and other property on the premises.
General liability insurance—This covers expenses and attorney fees resulting from injuries or property damage claims for which your business may be legally responsible. General liability insurance may cover costs that accrue if an injured third party decides to sue your business. General liability insurance policies typically have four coverage elements:
Premises liability covers you if a person not employed at your business becomes injured on your property.
Products liability covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property.
A personal injury is when your business inflicts physical, financial or psychological damage to a third party.
Employment practices liability insurance—This covers wrongful acts that occur during the employment process, such as claims of discrimination, wrongful termination, sexual harassment and retaliation. This coverage also reimburses you for the costs of defending a lawsuit in court and for judgments and settlements.
Workers’ compensation—This type of insurance is required in most states and is used to cover medical bills or wage replacement for employees who experience a work-related injury.
Cyber liability insurance—This can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and trust between you and your customers.
Commercial auto—This type of insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.
How Much Does Business Insurance Cost?
The cost of your business insurance policies will depend on various factors, including the policies you need, the industry you’re in, the size of your business, the number of employees you have and your claims history. Other factors may also be used to determine premium costs as well.
How We Can Help
Regardless of its size, having the right coverage is something every business should have. Our agents at Hooper, Spuhler & Sturgeon Insurance Services can help you choose the insurance that provides the best protection for your business needs. Call us today at 559-686-3442 to get started.
Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.
Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.