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Commercial Insurance
Protect Your Business

First, think about your business and what coverage you may need. See the commercial insurance policy types below and the Somos team will search to find you an affordable rate from one of the many trusted brands we work with.

Commercial Property

Security to cover not only the brick and mortar location, but also assets such as tools and equipment, computers, inventory technology and more.

Business Income

Helps businesses replace income as a result of operations being suspended from losses such as theft, fire, or natural disaster.

General Liability

Protection for your business from claims such as property damages and employee on-the-job injuries.

Business Owners

BOP combines coverage for major liability and property risks under one umbrella. Usually includes insurance for property, business interruption and liability protection.

Commercial Auto

Coverage for owned, leased, or rented commercial vehicles. Protects you and your business in the event of collision, bodily injury, property damage, etc.

Errors & Omissions

E&O is specialized insurance that protects businesses and individuals against losses not covered by General Liability insurance.

Directors & Officers

D&O protects the personal assets of corporate directors and officers. It offers specific coverage not provided by General Liability insurance.

Workers Compensation

Provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.

Commercial Insurance FAQs

What is commercial insurance?

Commercial insurance, or business insurance, helps companies protect their intellectual and physical property, and their financial assets. This includes losses such as lawsuits, property damage, workers compensation, loss of income, cyber and privacy, and more.

What type of coverage do I need for my employees?

Businesses with employees are required by law in most states to provide workers compensation and unemployment insurance. Disability insurance is also required in some states.

Also, consider getting an employment practices liability (EPL) policy that protects your business against allegations of discrimination, harassment, and wrongful-termination of employees.

Finally, keep auto insurance in mind if you or your employees are driving for work purposes. 

How much is commercial insurance?

A good rule of thumb when budgeting for commercial insurance is about 20 to 30 percent of your business’s gross income. These costs may vary depending on the coverage you need and the risks of certain industries.

somos commercial insurance

Why
Somos Insurance?

As an independent agency, Somos Insurance is here to help. We collaborate with many insurance companies to find you the best policies to fit your company’s needs and budget.

Already have insurance? We’re happy to review your current coverage and search to find high quality policies that will save you money.

40%

Of businesses have experienced a ransomware attack

168 Thousand

Injury & illness cases required days away from work

20%

Of small businesses experienced theft in the past 5 years

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As an independent agency, Somos Insurance works with many well-known insurance companies to find you the best policy to meet your insurance needs.

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