Commercial Insurance

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Commercial Insurance

Protecting your source of income is always the smart, strategic move!

Commercial Insurance

A small business is like a small child. You’ve created it, built it, and raised it to the best of your ability, and as a financial asset, it deserves to be protected every step of the way. If you own a small business that generates under $5 million in annual gross revenue, has less than $300 thousand in annual payroll, or owns/utilizes less than nine vehicles, Berkner Insurance Agency is dedicated to providing the coverage you need for ultimate commercial protection. 

Commercial insurance has been created to eliminate unnecessary stress and worry on the part of the small business owner. When your business is protected by BIA commercial insurance, you can simply focus on achieving your business goals. By receiving professional guidance and advice from our agents, you can select commercial coverage that makes sense for your unique business needs. 

Our agents work diligently to provide you with the following coverages to protect the life and longevity of your small business.

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Liability

When owning and operating a small business, you can be held liable under an array of situations, involving the business itself or your employees. To ensure you’re fully embracing all financial safety precautions, take each liability policy option into consideration.


General- This type of policy will ensure that all basic business exposures are fully covered. You may also be protected against third party claims involving bodily injury or property damage.


Professional- If the business is potentially responsible for loss and damage against a client, then this will help to protect your operations.


Cyber- More modernly, businesses are more likely to suffer from various cyber-attacks. To prevent this from happening, make sure to acquire coverage for this type of attack or data breach.

Workers Compensation

Protect those who help build your empire. Provide financial protection to your employees in case of an on-the-job injury. If an employee is injured or unable to perform the necessary functions for successful job completion, they are entitled to worker’s compensation. This coverage will also cover any services needed to help the employee recover, rehab, and return to work in a healthy and safe condition.

Business Owner Policy (BOP)

For those seeking maximum coverage, consider a BIA business owner policy. This option will package multiple policies into one by incorporating general liability, property, and business pause all into one policy. This will help to consolidate and manage your various coverages, so you can clearly understand the commercial insurance benefits you are receiving.

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Are you looking for a new insurance plan, have questions about your existing policy, or would like to speak with someone from our agency? Use the form to get in touch with our office.

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