Business Insurance Advisors for Gaffney Businesses
As a South Carolina business owner or executive, you know that insurance costs are often one of the largest expenses on your income statement – just behind the cost of payroll and benefits. Contact Correll Insurance Group of Gaffney to discuss insurance options for your business.
As one of the Carolinas' largest agencies, with 27 offices across the region, Correll Insurance Group can provide your company with business coverage. Moreover, we can provide risk management and insurance solutions.
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Commercial and business insurance plans
Whether you have a large or small business, and whatever your industry, Correll Insurance Group of Gaffney can respond to your commercial insurance needs, including:
- Liability insurance
- Professional liability insurance
- Commercial property insurance
- Business owners policy (BOP)
- Business interruption insurance
- Commercial auto insurance
- Workers’ compensation coverage
- Group life and health insurance
- Commercial umbrella policies
- Employment practices liability insurance
- Industry-specific insurance, such as restaurant insurance, condominium association insurance and firefighter / first responder insurance
What kind of insurance does my business need?
Businesses need coverage that reduces risk, fits the budget, and improves efficiency. Our independent agents, with knowledge of the Gaffney area, will sit down with you to discuss the type of insurance coverage your business needs.
Most often, businesses of all sizes need some combination of the following types of insurance:
- Liability Insurance
One of the biggest exposures facing Carolina small businesses is the risk of liability. For example, if someone slips and falls on your business premises, you could be found liable. If you sell tainted food that causes an E. coli outbreak, the damages could be catastrophic. If you manufacture a product that causes a consumer’s injury or death, you could be found negligent. These are just a few of the many types of liability claims that can impact even the most safety-conscious businesses. Unfortunately, legal expenses and damages can add up fast, deteriorating your loss ratio and making you an undesirable risk for commercial insurance company underwriters. It’s important to find a liability insurance policy that protects you from risk.
- Professional Liability Insurance
Learn more on our professional liability insurance page.
- Property Insurance
Property insurance protects your commercial building’s structure from covered causes of loss such as wind and fire. Some policies also provide protection for your business inventory, equipment, boilers, machinery, and more. If you transport goods you may need goods-in-transit or a separate policy.
- Business Owners Policy (BOP)
If you need insurance for your small business, a BOP might be an insurance solution. It packages property and liability coverage together in one business insurance policy.
- Business Interruption Coverage
Have you ever stopped to wonder what might happen to your production and revenues if your place of business was no longer accessible? For many businesses, this scenario spells financial disaster, but not if they’re protected by business interruption coverage. Business interruption coverage reimburses companies for their average monthly revenues if and when they’re unable to transact business due to a covered cause of business interruption.
- Workers’ Compensation Coverage
If you have employees, you likely need a workers’ comp policy for South Carolina or North Carolina. Besides the South Carolina State Fund, there are many affordable options available. Ask your Correll agent for a free workers compensation insurance quote. In addition to helping you fulfill your legal obligations, we will help you cultivate a safe work environment to minimize claims and help injured workers recover as quickly as possible.
- Commercial Auto Insurance Solutions
If you or your employees drive in the scope of business, you may be at risk unless you have commercial auto insurance. Whether your employees drive their own vehicles or use business vehicles for work, personal auto insurance may deny coverage if an accident occurs.
Correll Insurance Group is a Trusted Choice® independent agency and has relationships with many of the nation’s “A”-rated commercial insurance companies.
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