Business Insurance
Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters, lawsuits, and more can affect your livelihood.
Protect your hard work and dedication with the right insurance.
Choose a Category
Protect your business with the right coverage
Workers' Compensation
Help for employees if an injury or illness happens on the job.
Scenario:
Your employee falls off a ladder while stocking inventory on a high shelf.
Coverage:
An important workers' comp policy can help cover medical care, loss of income from employees being out, death benefits for survivors, and potential liability claims.
Property
Whether you own or lease a space, you can have coverage for risks related to your business’s building, property, inventory, and loss of income.
Scenario:
You lease space for your beauty salon and overnight a pipe bursts flooding the whole area. You have spent over $20,000 to install flooring, salon stations, light fixtures, etc.
Coverage:
With Business Property coverage, you can be protected from the unexpected damages that come with owning a business.
Liability
Coverage for risks ranging from customer injuries to wrongful termination.
Scenario:
A customer slips on a spill that recently happened while walking through the store and breaks their leg.
Coverage:
Liability coverage can help with hospital bills and damages, as well as further protect your business from legal actions by the customer.
Crime
Protect against money and securities theft committed by employees or third parties.
Scenario:
Your employee takes payment for a purchase with what turns out to be a fraudulent cashier’s check, and it comes back against your account balance days later.
Coverage:
Counterfeit currency and legal tender coverage can help protect your business from the damages of fraud.
Auto
Coverage for vehicles you rent, lease or own for business purposes.
Scenario:
While making a delivery in a company truck, your employee gets distracted and runs a light, causing an accident and injuring multiple people.
Coverage:
Your employee's liability insurance may not be enough to cover the medical needs. Keep your company covered with non-owned auto coverage.
Connect with a Guardian Insurance Agent
Guardian is proud to offer A rated life insurance options through partnerships with these great providers.
Connect with a Guardian Agent and let’s get started meeting your life insurance needs. Call 334-819-7555 or provide us with details through the form below and we will contact you.