Business & Commercial Insurance
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 Information
Business Insurance in Pilot Mountain, NC and Mount Airy, NC
At Simmons Insurance Agency, we understand that each business is unique. Your insurance needs may be different from a neighboring business’ needs, even within the same industry. We have experience working with business owners across North Carolina and Virginia, pairing business owners with insurance policies that are perfect for their business and their wallet.
Business Insurance to Consider
There are several types of business insurance coverages available depending on your insurance needs and your company’s industry. The three main coverages that businesses utilize include:
General liability insurance covers three areas:
If someone suffers bodily injury or property damage as a result of the business’ everyday activities, general liability insurance will help pay for the damages as well as protect the business in case of a lawsuit. For example, say a customer slips in your restaurant’s bathroom and hits their head. General liability insurance will help pay for the customer’s medical bills related to the injury and compensate the business for legal expenses in case of a lawsuit.
Personal and advertising injury covers claims against your business concerning libel, slander, false arrest, malicious prosecution, copyright infringement and more.
Workers compensation covers expenses related to an employee injury while on the job. If one of your employees is injured while working, this insurance can help pay for the employee’s medical bills as well as protect your business against a possible lawsuit. This insurance can provide coverage for medical expenses, disability benefits, lost wages and even death benefits in extreme cases.
Commercial Auto Insurance
Commercial auto insurance covers vehicles owned and used by your business. These policies come with coverages such as:
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to the vehicle due to fire, wind, hail, lightning, smoke, theft, vandalism and more.
Collision Coverage: Collision coverage provides compensation for damages to the vehicle due to a collision with another vehicle or object.
Liability: Liability insurance covers bodily injury and property damage your drivers may cause while operating the insured vehicle.
Medical Payments: Medical payments coverage covers medical bills for the driver and their passengers after an accident.
Uninsured/Underinsured Motorist: This insurance covers expenses related to an accident involving another driver who is not carrying insurance.
You can also purchase Hired or Non-Owned Vehicle insurance, which covers vehicles your business borrows or rents for work purposes.
Protect Your Business Today
Your unique business deserves a unique insurance policy. Call Simmons Insurance Agency at
or fill out an to protect your business with an affordable business insurance policy.
Common Business Insurance Questions
How Does Business Insurance Work?
When you purchase a business insurance policy, you generally pay monthly premiums in return for coverage. If you file a claim, the claim will be investigated by your insurer’s claims adjuster. Once the insurance claim is approved, you will receive compensation for the damages.
What Insurance Do I Need for My LLC?
LLCs operate differently than many businesses, but they still need insurance. Liability insurance is critical to protect yourself from dangers that may face your LLC.
What is the Best Insurance for a Small Business?
Every business is unique, as are its insurance needs. A business owners policy is a great insurance policy for small businesses, as it combines general liability and commercial property coverage into a single flexible policy.
Why is Insurance Important in a Business?
In some cases, insurance is required in order for your business to run smoothly and legally. Aside from legal requirements, however, business insurance is critical to protect your company’s assets in case of an accident, disaster or a lawsuit. A single claim could cost your business millions of dollars, and business insurance can help you bear the brunt of those costs.