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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
Get Free Quotes
Multiple Convenient Locations Near You
Get Discounts
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.
Connect
Fill out a simple appointment form to contact CINCO’s team. Our agents will then help you find a cheaper business insurance policy.
Compare
Receive instant quotes from our vast network of carriers. Compare coverage rates to make a decision that meets your needs.
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?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
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Gonzalez Prestige
Very fast and reliable service I had misplace my paperwork and they found it in less than a minute thank you guys keep on the good work
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Tihesha Wise
Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
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Samuel Uribe
I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
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GoddesSina Qadesh
I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
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Nelly Merced
Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
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Terrance Wilson
Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
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Marcela Contreras
Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
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Will
Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
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Mike J
Yolanda was wonderful, well mannered, respectful, very professional and clear in regards to getting my policy. I give her a 10!!!.
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Luis Gallegos
Got my business insurance quick and easy and the right price. yolanda did a great job. If yall need insurance give her a call. You wont find better deal 👍👍🙏🙏
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Johnny Garcia
Yolanda has been the biggest help to find me the best insurance. Excellent customer service. She really cares about her clients.
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Luis Pantoja
Karina was absolutely GREAT!! GREAT!! customer services all around. Highly recommended 💯
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Crisantos Anselmo
Karina was so amazing 👏 she honestly deserves a raise!!! Made everything fast and easy! Super consistent with follow ups!!
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Dilaa Ruiz lo
Evelyn was very nice! She helped us find and get an affordable price for insurance. Recommend her if you’re looking for a fast and easy experience!
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Gran Love
The service was wonderful, Veronica explained it to me very calm and broke it down to help me understand everything. I appreciate the patience and kindness.
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Diana Ontiveros
Thank you to aime! Great customer service! Super attentive, great rates! Definitely will be recommending to my family and friends
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Sandra Aguallo
Veronica was very helpful and got me the lowest price out there ! 100% recommend going to her for the lowest rates!.
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Angel ADB
I had a great experience with Oscar! He provided excellent help and service, giving me a very competitive quote on my vehicle. Highly recommend!
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Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
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Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
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