Business Insurance Faqs

Why do I need Business insurance?
Commercial insurance is designed to help protect many of the risks your business can face, including:

• damage or destruction to your business vehicles
• certain liability exposures resulting from the operation of your business vehicles
• damage or destruction to your office equipment or inventory
• loss of income in case you have to close-up shop temporarily because of a covered loss
• certain business related liability exposures such as, wrongful entry or search, libel, slander and even certain offenses arising out of your business’s advertising
• risks to your cargo while in transit or storage
• theft or loss of tools and equipment
• crime coverage including robbery, burglary, even employee dishonesty

What should I consider?
Chances are, your business is as unique as you are – calling for a flexible and individualized insurance plan. But generally, many businesses need:

• Commercial Automobile Protection including Auto Liability, Collision, Comprehensive and Rental Reimbursement coverages.
• General Liability Protection including Bodily Injury Liability, Property Damage Liability, Personal Injury Liability, Advertising Liability coverages, and help protect your building and contents in case of direct physical loss.
• Workmans Comp, printable and faxable quote.
• Please quote me on the above, print & fax option only.
• Health Insurance, see your options before you apply.

Another coverage worth considering is Umbrella Excess Liability Insurance that provides higher liability limits, over primary liability insurance held by your business.

What are my coverage options?
King And I has a wide range of coverages available, as well as an array of choices for limits and deductibles. (See important note below.)

If you’re a small business owner, there’s a good chance that our Customizer® Policy can help provide some of the coverages you need. For larger businesses, our Business Package Policy may be more appropriate. Consider enhancing the basic coverages available – Commercial Automobile Insurance, General Liability Coverage and Business Property Protection – with the following optional coverages:

• Cargo Coverage: Helps protect your cargo or inventory while in transit or during storage.
• Tool and Equipment Coverage: Helps protect your tools and equipment used in your business while on your vehicle or at the job site.
• Business Interruption Coverage: Helps protect against loss of income (for up to 12 consecutive months) resulting from a covered loss.
• Crime Insurance: Helps protect against loss from burglary, robbery, even employee dishonesty.
• Umbrella Excess Liability Insurance: Provides higher liability limits, over the primary or underlying liability insurance.