Utah Commercial Insurance Coverage

Commercial Insurance

Commercial Insurance

Are you opening a business or do you already operate one? If so, commercial insurance is a must. Christensen Insurance Group would love to help you with your Utah commercial insurance needs. No matter what industry you’re in, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you’ve invested in a business doesn’t disappear when a disaster strikes is to protect it with the appropriate insurance.

What does a business owners policy cover?

Many small and medium sized business owners opt out of purchasing separate property and liability coverage for a Business Owner’s Policy (BOP). A BOP is a comprehensive package policy that can save you significantly on your insurance costs. Since it is impossible to predict any threats that may arise, protecting your business from every angle is important to the success of its future.

With lower coverage amounts, a BOP is generally a good option for small and medium sized businesses. Larger businesses may want to consider a Commercial Package Policy or customizing their insurance policies to meet the needs and demands of their specific business. But for smaller companies that require less in coverage limits, a BOP may be the best choice.

A BOP will include:

  • Property Coverage. Property insurance for the building and contents owned by the business. This coverage will protect your business from minor instances and major disasters. Property insurance will cover the following items, but is not limited to: inventory, office equipment, furniture and computers, equipment leased or rented for business use, and property in your care belonging to someone else that is accidentally damaged.
  • Liability Coverage. Liability insurance is very important as it will cover any costs that your business is legally obligated to pay. If your business is responsible for the bodily injury of another person, property damage, or personal and advertising injury such as libel and slander, liability coverage will kick in.

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Our Trusted Partners

  • American Modern
  • Auto-Owners Insurance
  • Bear River Mutual
  • CSE
  • Germantown Mutual
  • Kemper
  • Progressive
  • United Insurance Group