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WHAT IS BUSINESS INSURANCE?
As a business owner, you are responsible for your business and employees. Business insurance plans are designed to cover your business’s financial losses in case of accidents, natural disasters, or employees' sickness/injury. Businesses must secure the right insurance policy to fill all the gaps and prevent financial setbacks. Business insurance falls mainly into three categories: property, liability, and workers' compensation.
WHY DO I NEED AN INSURANCE FOR MY BUSINESS?
Unexpected situations, like accidents or property damage, can lead to significant financial losses. The right coverage keeps your business secure.
State laws mandate business insurance policies such as workers' compensation and commercial auto coverage, preventing legal repercussions.
Commercial equipment and appliances are essential for small businesses. Insurance allows you to restore damaged equipment to its previous condition.
It protects against third-party claims by covering legal expenses and damages caused to others, ensuring your business remains financially stable and secure.
Business owners must protect their employees. Workers' compensation insurance covers medical costs if employees get sick or injured.
WHAT TYPES OF BUSINESS INSURANCE CAN I INSURE WITH CINCO?
It protects your business from financial losses due to third-party claims, such as bodily injury, advertising injury, or property damage.
When your employees suffer an injury, this insurance covers their medical payments, and income lost during recovery.
BOP combines multiple policies under a single policy, including liability insurance, business interruption coverage, personal injury protection, etc.
It allows you to bundle property, liability, or other coverages according to your business and industry's needs.
This coverage compensates the business for lost income and expenses incurred when risks disrupt normal operations.
It offers additional liability coverage beyond the limits of standard insurance policies, like general liability or commercial auto insurance.
It covers a business's physical assets and buildings, protecting against dangers such as fire, theft, or vandalism.
It protects property owners who rent their properties for commercial or residential use, covering potential risks and liabilities.
It covers vehicles used for business purposes, helping with repair and replacement costs, liability, and other associated expenses.
WHAT COVERAGES CAN I GET FOR MY BUSINESS?
Liability Coverage
It protects you from legal claims and expenses if someone is injured during business operations or on your property.
Business Income Coverage
If your business loses income due to any covered event, this coverage will compensate for the lost income during this interruption.
Auto Liability and Physical Damage
This coverage helps pay for liability and physical damage costs if your commercial vehicle suffers damage.
Umbrella Excess Liability
Umbrella excess liability coverage extends your liability limits, providing additional protection beyond standard policies.
Key Person Loss Coverage
This coverage helps prevent financial losses your business might face due to the demise or death of a key employee.
Equipment Breakdown Coverage
Equipment is essential for any business. This coverage pays for repair and replacement costs when equipment breaks down.
Crime and Theft Coverage
This coverage protects against financial losses from theft, fraud, or employee dishonesty, ensuring your business remains secure.
Legal Defense and Settlements
During covered legal disputes, this coverage provides the funds for legal defense and settlements for your business.
WHY IS CINCO THE BEST CHOICE FOR BUSINESS INSURANCE?
Excellent Customer Service
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Multiple Convenient Locations Near You
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Affordable Premiums
HOW MUCH DOES BUSINESS INSURANCE COST?
On average, you can expect to pay around $500 and $3,000 annually for basic general liability insurance. However, if you go for comprehensive coverage options, such as BOP, it costs between $1,200 and $6,000 yearly. Your actual costs may vary from these average rates, given various factors, such as the ones mentioned below:
WHAT ARE THE REQUIREMENTS FOR BUSINESS INSURANCE?
Proof of Insurance
Clients, landlords, and other regulatory entities may require your business to provide proof of insurance to ensure that your business is covered against risks.
Minimum Coverage
For businesses to protect themselves, they must meet the minimum coverage requirements set by state and industry laws or business contracts.
Additional Coverage Options
Additional coverage options, such as EPLI and Product Liability Insurance, protect your business where minimum coverage fails to do so.
Payment of Premiums
Paying your premiums on time is essential for maintaining your business insurance, preventing you from suffering when things go wrong.
HOW IT WORKS
EXPLORE
Visit our website and explore the wide range of insurance solutions we offer to protect your business from financial setbacks.
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Fill out a simple appointment form to contact CINCO’s team. Our agents will then help you find a cheaper business insurance policy.
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GET A FREE BUSINESS INSURANCE QUOTE
Your business is valuable, and protecting it against unexpected risks and perils is necessary. That's where business insurance comes in and helps! At CINCO, we help you find the best insurance plans in town. You can access one of your free quotes right now on our website! Hurry up!
FREQUENTLY ASKED QUESTIONS REGARDING BUSINESS INSURANCE
WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Luis Ortuno
Highly recommend! Completed my full coverage paperwork over the phone with Edward. Affordable prices and no waiting, unlike other agencies.
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Wendy Castillo
Thank you, Edward! I got exactly what I needed within my budget. Quick, easy, and hassle-free service. Happy customer!
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Jimmey McCullough
Helpful and friendly staff with excellent customer service. Will definitely recommend to family and friends for great insurance support.
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Audrey Hare
Best customer service! Edward was fantastic, answered all my concerns, and made the process easy. Valentina and Edward were great!
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Katrina Hughes
Edward provided great service, found an affordable quote, and made the process quick and simple. Highly recommend this insurance agency!
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Daniel Alvarado
Nataly made the sign-up process easy and provided excellent service. I highly recommend this place for insurance needs.
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Maria Martinez
Evelyn gave me a fantastic insurance quote quickly. Great customer service and fast results. I definitely recommend!
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Jocelyn Adams
Edward was patient and made sure I received great service throughout the process. Really appreciate his help!
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Tamekia Owens
Very friendly and fast service. Highly recommended for anyone looking for quality and efficient insurance support.
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Myrna Garcia
Edward helped me find a great price for my auto insurance. He was patient and offered fantastic coverage options.
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Cynthia D. Khaled
Edward provided excellent customer service and answered all my questions. Highly recommend this company for your insurance needs.
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Luis Morales
Big thanks to Edward for providing outstanding customer service and affordable options. Definitely go see him!
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Eduardo Ruiz
Nataly helped us find great insurance rates with excellent service. Highly recommend for low prices and great care.
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Reyna Arroyo
Samantha provided a great quote and helpful service. Will definitely recommend her to family and friends for insurance needs.
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Monica Herrera
Best customer service in town with low prices. Extremely kind and generous staff. Highly recommend this place!
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Claire Small
Amanda found me a fantastic insurance quote and was professional, kind, and diligent. I didn’t hesitate to take it!
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Abril Hernandez
Edward did an amazing job finding me the best price. Great service and excellent customer care.
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Christina Saldana
Eduardo quickly connected me with Amanda, who made the process easy and stress-free. Highly recommend them both!
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Cooking with Gala
Edward provided friendly and helpful customer service. The process was quick and the prices were great. Highly recommend!
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Ednandez
Keyla made my insurance switch smooth and easy. Very nice and helpful! I recommend her to everyone.
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Ryan Anderson
Elsa was amazing and helped me find great insurance prices. Highly recommend her for anyone seeking affordable coverage.
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John
Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.
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John
Edward was a huge help! Transparent, welcoming, and highly recommended for insurance services. Great company overall.
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