Business insurance

Business Insurance in Ridgeland SC coverage is one of the most critical and important investments that a business owner makes every year. Business insurance protects both owners and employees of businesses from a broad range of concerns that if left uninsured would easily result in catastrophic financial losses or even a shut down of the business.

When actually purchasing business insurance, the insurance professional must understand that that different businesses vary greatly. At Protector Insurance, “we get this” completely. We work with each and every business individually to design the right insurance program that fits their specific needs and budget.

• Commercial Property

  Commercial property insurance protects your commercial property, including physical assets from natural disasters as well as fires, explosions, burst pipes, theft, and vandalism. The cost of this insurance coverage differs based on the location, construction of the property, and occupancy.

• General Liability

  This is an essential insurance plan for businesses. It is protection from general claims that involve bodily injuries and property damage that have been caused by your products, services, or operations.

• Business Auto

  Business auto, also known as commercial vehicle insurance, pays for damages and bodily injuries, depending on the policy you got. It covers company cars, service utility trucks, delivery trucks, food trucks, etc. Its policies are different from personal auto insurance.

• Excess/Umbrella Liability

  This policy provides limits that go beyond the primary or underlying liability policy. This means that if the primary policy’s limits have been exhausted, the excess/umbrella liability policy picks up the remaining cost.

• Employment Practices Liability

  Employment practices liability insurance (EPLI) pays the legal expenses that companies have to face when employees file lawsuits due to alleged sexual harassment, discrimination, wrongful termination, breach of contract, wrongful discipline, failure to employ or promote, etc.

• Tenant Discrimination

  This insurance policy protects property owners and managers from tenant discrimination claims based on race, sex, age, religion, pregnancy, family status, or disability, including wrongful eviction.

• Professional Liability

  Also known as E&O or errors and omissions insurance, this policy helps cover claims of negligence, misrepresentation, and inaccurate advice. Unfortunately, even if you didn’t do anything wrong, your client can still file a lawsuit against your company.

• Earthquake & Flood

  This insurance coverage specifically covers earthquakes and floods, which are not included in standard fire policies. Companies that are based on areas prone to these natural disasters are strongly advised to get this policy.