Commercial Insurance Coverage for Your Business

Do you own a business? If so, Guardian Insurance offers comprehensive business insurance options tailored to your needs. We can assist you in finding the right type of commercial insurance coverage to keep your business safe and operational at all times. Adequate commercial insurance is essential as it protects you if a customer sustains an injury, if property damage occurs, or in similar situations. It also safeguards you if a lawsuit is filed against your business. Our office is conveniently located in Omaha, NE, and we proudly serve clients in Nebraska, Iowa, South Dakota, Arizona, Florida, Kansas, Colorado, and Missouri.

Commercial Insurance Requirements

In Nebraska, all businesses must adhere to specific insurance coverage requirements, including obtaining workers' compensation insurance. This policy is crucial, as it covers medical expenses for any work-related illnesses or injuries. Furthermore, businesses are required to secure commercial auto insurance for all business-owned vehicles, with minimum auto insurance requirements as follows:

- Bodily injury liability for each person for $25,000

- Bodily injury liability for each accident for $50,000

- Property damage coverage for $25,000

Commercial Insurance Coverage

We provide a wide range of insurance coverage options, including:

- General liability insurance: This coverage protects your business against third-party accidents and is often mandated by commercial leases.

- Professional liability insurance: Also known as errors and omissions coverage, this policy protects your business if you offer professional services or advice, covering lawsuits related to your work performance.

- Cyber liability: This vital coverage shields your business from cyberattacks and data breaches, and it is highly recommended for companies that handle sensitive information, such as credit card numbers.

- Business owner's policy: This is a convenient combination of general liability and property insurance in one comprehensive policy.

To obtain a quote for Omaha business insurance, visit Guardian Insurance. You can reach us by phone or stop by our office in Omaha, NE.