business

Business Insurance

Your business represents a significant investment of time, effort and money — business insurance protects the investments you’ve made in your business, as well as your financial security. Whether you’re the owner, operator and sole employee or you run an international corporation, protecting your business with the right commercial insurance is essential.

Yorke Insurance Agency provides a range of commercial insurance options to business owners in Ambridge, Beaver Falls, Cranberry Township, Ellwood City, Monaca and New Castle, including:

  • General liability
  • Business owners
  • Commercial property
  • Commercial auto
  • Worker’s compensation
  • General Liability Insurance

Whether your business has one employee or a thousand, if you provide services, advice or products, you run the risk of being sued — and legal fees and settlement costs add up quickly. General liability insurance protects you from costs associated with actual or alleged property damage, bodily injury or negligence claims that result as a result of your products or services or take place on your property.
Business Owners Insurance

Business owners’ policies bundle a range of coverage options into one policy. Often a good choice for small business owners, these customizable policies may include:

  • General liability
  • Business interruption
  • Commercial auto
  • Property

However, business owners’ insurance policies may leave some gaps in coverage; speak with your Yorke Insurance agent to determine the right level of coverage for your specific business.
Commercial Property Insurance
Repairing property damage from theft, vandalism, fire, flood, hail, severe weather or other natural disasters can be costly; add the costs of business interruption, and property damage can be the perfect financial storm. Whether you own, lease or rent your workspace, protect it with commercial property insurance. Property insurance covers the cost of damage to your buildings, fixtures, equipment, machinery and inventory, as well as financial losses you may suffer as a direct result of the damaged property.
Commercial Auto Insurance
If you use motor vehicles to transport goods, inventory, equipment or personnel in the course of business, you need commercial auto insurance. Business auto insurance protects you in the case of:

  • Property damage from collision, theft, vandalism, fire or severe weather
  • Bodily injury
  • Un/Underinsured motorists
  • Worker’s Compensation Insurance

Pennsylvania law requires employers to carry worker’s compensation insurance. If your employee is injured, killed or contracts a job-related illness while on the job, your workman’s comp policy will cover:

  • Medical costs
  • Death benefits for dependents
  • Employee’s lost wages
  • Lawsuits related to injuries, illness and workplace conditions

Speak with your Yorke Insurance agent today to receive a customized quote for your business insurance needs!

Sources: http://www.forbes.com/sites/thesba/2012/01/19/13-types-of-insurance-a-small-business-owner-should-have/, http://www.sba.gov/content/types-business-insurance