Not only are you a great agency (Myrtle Beach office) you are friendly, courteous and professional and always there when we need you.
Businesses of all sizes need commercial insurance coverage that reduces risk, fits the budget, and improves efficiency. The independent agents of John T. Cook & Associates will sit down with you to discuss the type of insurance coverage your business needs.
While businesses of all types need insurance, the combination of coverage may differ. But almost every business needs two key types of insurance: commercial property insurance and commercial liability insurance. Our agents will help you find the combination of plans and coverage to meet your business’ unique needs and budget.
One of the biggest exposures facing small businesses in South Carolina is the risk of liability. For example, if someone slips and falls on your business premises, you could be found liable. If you sell tainted food that causes an E. coli outbreak, the damages could be catastrophic. If you manufacture a product that causes a consumer’s injury or death, you could be found negligent. These are just a few of the many types of liability claims that can impact even the most safety-conscious businesses.
Unfortunately, legal expenses and damages can add up fast, deteriorating your loss ratio and making you an undesirable risk for commercial insurance company underwriters. It’s important to find a liability insurance policy that protects you from risk.
Businesses that provide advice face the risk of professional liability. For example, accountants, lawyers, real estate agents, and financial advisors all provide their clients with professional advice. If that advice results in financial loss and the client sues for damages, the business could be found liable.
If the business is not properly insured, the business owner’s personal assets are at risk. For that reason, it’s important to have professional liability insurance to protect against the unique exposures of your business.
Property insurance protects your commercial building’s structure from covered causes of loss such as wind and fire. Some policies also provide protection for your business inventory, equipment, boilers, machinery, and more. If you transport goods you may need goods-in-transit or a separate policy.
Finding the right insurance plan for your Grand Strand area business can be challenging. Our local, independent agents will get to know your business and find the plan that’s right for your needs and budget.