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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?
Business Liability
It protects your business from financial losses due to third-party claims, such as bodily injury, advertising injury, or property damage.
Workers' Compensation
When your employees suffer an injury, this insurance covers their medical payments, and income lost during recovery.
Business Owner’s Policy
BOP combines multiple policies under a single policy, including liability insurance, business interruption coverage, personal injury protection, etc.
Commercial Package Policy
It allows you to bundle property, liability, or other coverages according to your business and industry's specific needs.
Business Interruption
This coverage compensates the business for lost income and expenses incurred when risks disrupt normal operations.
Commercial Umbrella
It offers additional liability coverage beyond the limits of standard insurance policies, like general liability or commercial auto insurance.
Commercial Property
It covers a business's physical assets and buildings, protecting against dangers such as fire, theft, or vandalism.
Landlord
It protects property owners who rent their properties for commercial or residential use, covering potential risks and liabilities.
Commercial Auto
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?
Angelica Sandoval
Dealing with insurance is stressful enough, so when I contacted them from start to finish I received the best customer service. Ed...
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Katrina Hughes
My experience was great!!! I walked in and spoke with Edward. He helped me find the best quote that fit everything I was looking f...
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Rosy Palacios
Edward is an amazing agent who searched for my best convenience and the most affordable for me. He explained with deep details my ...
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Maria Martinez
I spoke with Evelyn and she was able to promptly give me a great insurance quote. Quick and great customer service, definitely rec...
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Luis Ortuno
100% recommended, just had the opportunity to do the paperwork for my full coverage insurance with Edward over the phone without h...
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Wendy Castillo
Thank you Edward for helping me today! Fast and easy! I originally called just for an estimate but ended up getting my insurance b...
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Jocelyn Adams
My insurance agent Edward was so nice and patient with me he did everything he could to make sure I got great service and he didn�...
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Maria Fernanda
Edward was definitely a huge help! Definitely recommend this company to anyone, they’re very welcoming and transparent!
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Tamekia Owens
Very friendly and fast service… Highly recommended to do business with.
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Myrna Garcia
Edward was very helpful. I loved that he took time to find a great price for my auto insurance, worked with me on the best coverag...
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They're very helpful, friendly, and have good customer service. I will also recommend them to family and friends.
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Best customer service in town! Kind and generous! Love that they charge low prices compared to others.
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Nataly was a great help. She provided great service and made the sign-up process easy. Definitely recommend coming here.
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Luis Morales
A big shout out to Edward! I have received excellent customer service! Please go look for him! Outstanding agent!
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Nataly is a great person; she helped us find great prices on our insurance. This company has really low rates and excellent servic...
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Samantha was very helpful and quick. She was able to give me a quote and great discounts. Will recommend to my family and friends.
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Edward's customer service skills were excellent and he answered all of my questions.
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Claire Small
Amanda was so professional, sweet, a great listener, and worked hard to find me a fantastic quote. I immediately didn't waste time...
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Abril Hernandez
Thank you, Edward! You did an amazing job finding me the best price and also gave me great service.
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Eduardo texted me back in a timely fashion and then set me up with Amanda. She was nice and patient and made the process so easy! ...
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Cooking with Gala
Edward had great customer service, was friendly and super helpful. Great price and quick service.
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Ednandez
Just moved to Texas from Kentucky and Keyla made my switch of insurance very smooth. She was awesome! Very nice and helpful throug...
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Ryan Anderson
Elsa was by far so amazing. I would recommend everyone come here and see her; she has great prices.
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Ryan Anderson
Elsa was by far so amazing. I would recommend everyone come here and see her; she has great prices.
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