Commercial Insurance

Are you looking for commercial insurance? If so, you have come to the right place. Here at Midwest Professional Insurance, we have many different policy options for your business whether large or small. We are certain that our coverage will meet whatever needs you to have. Commercial insurance is important to have to protect your business against many things such as lawsuits and even property damage. You can decide on a plan based on the needs of your business.

Commercial Insurance Laws

Overall, states do not require businesses to have commercial insurance. However, you must carry worker’s compensation insurance which will cover the cost of any illnesses and work-related injuries for your employees. The only time that you will not need to carry worker’s comp insurance is if you have a business that is particular agricultural areas. You will also not need to obtain it if your business's annual gross payroll is less than $20,000.

Your business will also be required to obtain commercial auto insurance for any business-owned vehicles. You may also add your own personal vehicle to a general liability insurance plan or a business owner’s policy.

For example, the requirements in Kansas are as follows:

• $25,000 coverage for each person-bodily injury liability and $50,000 for each accident
• $10,000 for each accident for property damage liability
• $25.000 for each person and $50,000 for each accident for uninsured motorist coverage

Other Coverage Options

You can also take advantage of any of the following commercial policies:

• General liability coverage
• Professional liability coverage
• Cyber liability coverage
• Business owner’s coverage

If you are looking for coverage to help cover some of the most common risks, then you will want to go with general liability insurance. It will cover any injuries as well as property damage.

Quotes

Contact us today at Midwest Professional Insurance for a quote.