Business & Commercial Insurance
At Hixson & Malinowski Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.
Business insurance protects your small business from financial damages that can result from accidents, property damage, professional errors, workers’ compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.
Contact us today to learn more about our products and services for business owners.
Types of Business & Commercial Insurance
From basic protection to specialized coverage, Hixson & Malinowski Insurance Agency has several types of commercial insurance so you can get the best combination of coverages for each stage of your business’s development.
Contact us today to learn how we can save you money.
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Coverage for risks ranging from customer injuries to wrongful termination.
Most small businesses need this coverage. It guards against third-party claims that arise from your business operations. Sometimes people refer to this coverage as "business insurance." If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability.
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Coverage for vehicles you own, lease or rent for business use.
You need this coverage if you use your vehicles for business, such as traveling to job sites or making deliveries. It provides liability and physical damage protection for your business vehicles.
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Assistance for employees if an injury or illness occurs on the job.
In most states, if you have employees, you are required to carry Workers’ Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities. This coverage protects you and your employees. It helps pay for expenses, such as medical costs and lost wages, related to employees who become injured or ill on the job.
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This coverage packages business liability and property coverage into one policy. It’s a common choice for small businesses with commercial buildings or personal property with coverage for:
Bodily injury or property damage
Defense costs for covered liability losses
Business furniture and equipment
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Your business is a multifaceted machine that requires protection at every level. The people who make your business go deserve the assurance that they are covered at all costs. At Hixson & Malinowski Insurance Agency, we understand that quality coverage options for your employees will ensure that your business attracts and maintains the best workers.
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