You can't predict what the future holds, that's why it's never been more important to cover your commercial operation with business insurance. Business insurance helps cover the costs associated with property damage, and liability claims. You've put the time and effort into making your dream of running your own business a reality - Keep your business operating safely and efficiently with E.P. Tremblay in Somerset, MA.
As with personal situations, no two businesses are ever alike. We’ll take the time and effort to customize a policy to provide you the coverage you need, without the coverage you don’t. Our agents will help you choose from a variety of commercial business insurance options. Helping protect your small business from financial damages that can be the result of accidents, errors and omissions, workers compensation and more.
COMMERCIAL BUSINESS INSURANCE FAQS
I’m just getting my business started. Do I need insurance immediately?
Yes. Your chance of suffering a loss begins with the first day of business. Without insurance or with improper or insufficient coverage, your insurance agent cannot help you if you suffer a loss. Also, many state and local governments require business insurance. And if you rent space, your landlord probably requires you to obtain insurance.
I don’t have any major business assets. Why do I need insurance?
Every business has some property, and it needs to be protected from loss, damage and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.
Does insurance coverage vary for different businesses?
It can. Many small businesses opt for package policies that cover the major property and liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).
Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. We can help you decide which policy or policies are right for you. You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy.