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Business Insurance

Protecting Your Company, Employees & Assets

Running a business comes with risks—but the right Business Insurance policy ensures those risks don’t jeopardize your company’s future. Whether you own a small business or a large corporation, Good Apple Insurance provides customized coverage to safeguard your business, employees, and property from unexpected loss and liability.

Why Your Business Needs Insurance

Every business faces risks that can lead to financial setbacks, legal troubles, or even closure. The right business insurance policy provides a safety net, ensuring your company can recover from:

  • Property damage – Fires, storms, vandalism, or theft
  • Lawsuits & liability claims – Customer injuries or business-related accidents
  • Employee-related risks – Workplace injuries, workers’ compensation claims
  • Data breaches & cyber threats – Hacking, fraud, or information leaks
  • Business interruptions – Income loss due to unexpected closures

Without the right coverage, a single accident or lawsuit could cost thousands (or even millions) in damages—threatening everything you’ve worked hard to build.

Who Needs Business Insurance?

Every business, big or small, benefits from business insurance. You should strongly consider coverage if you:

  • Own or rent an office, store, or commercial property
  • Have employees
  • Work directly with clients or customers
  • Provide professional services or advice
  • Sell products (in-store or online)
  • Use company vehicles for business purposes

Whether you’re a contractor, consultant, restaurant owner, retailer, or freelancer, having the right business insurance protects you from financial risk and ensures business continuity.

Types of Business Insurance We Offer

General Liability Insurance (Essential for Every Business)

Protects against bodily injury, property damage, and legal costs if your business is found responsible for an accident.
Example: A customer slips and falls in your store, breaking their wrist. General liability insurance covers their medical bills and legal fees if they sue.

Commercial Property Insurance

Covers physical assets such as buildings, equipment, inventory, and furniture against theft, fire, vandalism, or natural disasters.
Example: A fire damages your office, destroying computers and inventory. Commercial property insurance helps cover repairs and replacements.

Business Owner’s Policy (BOP)

Combines General Liability + Commercial Property Insurance into one cost-effective package—ideal for small and mid-sized businesses.
Example: If a burst pipe floods your office and a customer gets injured slipping on the wet floor, a BOP covers both damages and liability claims.

Cyber Liability Insurance

Protects against data breaches, hacking, ransomware attacks, and cyber theft—critical for businesses that handle sensitive customer data.
Example: A cyberattack exposes customer credit card information. Cyber liability insurance covers legal fees, notification costs, and financial losses.

Workers' Compensation Insurance

Covers medical expenses and lost wages if an employee is injured on the job. Required by law in most states.
Example: An employee strains their back while lifting heavy boxes. Workers’ comp pays for medical treatment and lost wages.

Professional Liability (Errors & Omissions Insurance)

Protects businesses that provide services, consulting, or advice from lawsuits due to errors, negligence, or missed deadlines.
Example: A client sues a marketing firm for a failed campaign that cost them thousands. Professional liability insurance helps cover legal fees and settlements.

Commercial Auto Insurance

Covers vehicles used for business purposes against accidents, damage, theft, and liability claims.
Example: One of your delivery drivers causes an accident. Commercial auto insurance covers vehicle repairs and medical bills.

Business Interruption Insurance

Compensates for lost income if your business is forced to shut down temporarily due to a covered event (fire, storm, etc.).
Example: A hurricane damages your storefront, forcing you to close for repairs. Business interruption insurance helps cover lost revenue during downtime.

How Much Does Business Insurance Cost?

Business insurance costs vary based on:

✔️ Industry (high-risk vs. low-risk businesses)
✔️ Number of employees
✔️ Type & amount of coverage needed
✔️ Claims history

💰 Average small business insurance costs:

  • General Liability Insurance: Starts at $40–$75 per month
  • Business Owner’s Policy (BOP): Around $100 per month
  • Workers’ Compensation: Varies based on payroll & job type

The best way to find the right coverage at the best price? Let Good Apple Insurance compare multiple policies for you!

Why Choose Good Apple Insurance for Your Business Coverage?

At Good Apple Insurance, we make protecting your business simple and affordable.

✅ Independent Agency Advantage – We shop multiple top-rated insurers to get you the best rates.
✅ Customized Business Solutions – We tailor your policy to match your specific industry and risks.
✅ Fast & Hassle-Free Quotes – Get expert guidance and competitive pricing in just minutes.

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