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Affordable Rates for Business Insurance

There are many different types of business insurance such as general liability, commercial auto, workers compensation & more! At Cheri Nelson Insurance Agency, we will help you determine which policy is best for your business and provide affordable rates. We want to save your business money, so you can cut costs and retain more profit. 

Types of Business Insurance

  • General Liability

  • Workers Compensation

  • Commercial Auto

  • Excess Liability

  • Commercial Property

  • Business Owner Policy

  • Errors & Omissions

  • Liquor Liability

  • Cyber Liability

  • Inland Marine

Businesses we Cover

  • Contractor Insurance

  • Restaurant Insurance

  • Auto Repair Shop Insurance

  • Trucker Insurance

  • Real Estate Investor Insurance

  • Cleaning Business Insurance

  • Janitorial Services Insurance

  • Equipment Rental Insurance

  • Landscaping Services Insurance

  • Retail Business Insurance

  • Food Truck Insurance

  • Grocery Store Insurance

  • Beauty Salon Insurance

  • Medical Office Insurance

  • Heavy Equipment Repair Insurance

  • Legal Professional Insurance

  • And more!

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What is General Liability Insurance?

You may be asking yourself, "what is general liability insurance?" We have the answer and solution for your GL needs. General liability insurance is to protect your business from paying hefty claims out of pocket. General liability can cover your business for damages, legal fees, or medical payments. General liability only provides coverage to customers' bodily injuries and property damage. This does not protect your business against employees getting hurt, which would be Workers Comp. As an Insurance agency, we have accessibility to several insurance carriers to help you find the best rate, so policies may differ based on your needs. Contact us to find out what general liability insurance does not cover. 

How General Liability Protects your Business

Example 1)

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If a customer were to get hurt by falling in your business, they have the ability to sue. With general liability, your insurance will pay medical payments under the bodily injury liability coverage.

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Example 2) 

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General liability covers an employee who does property damage while working at a customer's house. The repairs to the property are paid under property damage liability coverage.

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Example 3) 

 

General liability also protects your business against copyright, libel, and slander claims.

What is Workers' Compensation Insurance?

According to the South Carolina Workers' Compensation Commission, workers' Comp in South Carolina is required if your business has four or more employees. There are exemptions such as total annual payroll under $3,000, federal employees, and more. Workers Compensation can protect your business when an employee gets hurt. Some policies may allow the employer to be covered, speak to an agent to find out if you are protected. This may help pay for medical payments, partial lost wages, and disability benefits. Please keep in mind that we are an independent agency, which means we represent several different insurance providers, which means every policy is different. This allows us to find the best rate for your workers' comp insurance. 

What is a Business Owner Policy (BOP)?

Business Owner Policy is an excellent option for your small to medium-size business. Most businesses usually carry general liability and commercial property insurance. A businessowner can buy a General liability and commercial property insurance separately, but the BOP allows companies to bundle them cheaper. Public liability protects your business from lawsuits against bodily injury and property damage to anyone outside your business. Commercial property insurance protects your business property against vandalism, theft, and fire. BOPs helps your business save money and time by bundling it together and not have to get each insurance policy individually. Not all companies are qualified for a BOP. Insurance providers look at the location of your business, size, classification, and revenue to determine if you are eligible for a business owner policy. As an Insurance agency, we have accessibility to several insurance carriers to help you find the best rate so that policies may differ based on your needs.

What is Commercial Auto Insurance?

Do you have business vehicles or do you use your own vehicle for business purposes? Commercial Auto Insurance may cover the third party when you are at fault in an accident, under liability coverage. If you just have liability coverage and you are at fault, your vehicle may not be repaired. You have the option to add collision and comprehensive coverage, which protects your vehicle if you are at fault in an accident. Commercial auto insurance does not protect your vehicle during personal use because that is covered under your personal car insurance. If you use your personal vehicle for your business, you may want to consider Commercial Auto. Your personal auto insurance may not cover your vehicle if you are using it for business purposes. As an Insurance agency, we have accessibility to several insurance carriers to help you find the best rate, so policies may differ based on your needs.

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