Commercial Insurance in Munford, TN

Bill McGowan & Company Inc. Insurance for Your Business
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Bill McGowan & Company Inc. Insurance for Your Business

Owning a business in Munford, TN is an exciting venture, but it also comes with inherent risks. Unexpected events, from storm damage to a customer slipping and falling, can threaten your financial stability. That's where commercial insurance comes in.

Commercial insurance is designed to protect your business from financial losses arising from various situations–known in the insurance world as covered events. It acts as a shield, covering costs associated with incidents like:

Property damage caused by fire, theft, or weather events.
Lawsuits from customers or vendors alleging injuries or damages.
Employee illnesses or injuries sustained on the job.

Without proper commercial insurance, a single incident could force you to close your doors. That's why having commercial insurance coverage in place is crucial for businesses of all sizes in Munford, TN.
Commercial general liability
You can be held responsible if someone slips, falls or injures themselves at your place of business. Get insurance coverage for medical bills, legal fees, and more expenses from liability claims.

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Commercial property insurance
Protect your business property and merchandise in case of fire, vandalism, theft, and other covered events that cause damage and loss.

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Commercial automotive insurance
If you own and operate vehicles as part of your business, you’ll need a separate policy to cover automobile accidents, damage, and liability.

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Workers’ compensation insurance
Most states require businesses with employees to provide workers’ compensation insurance. This coverage pays medical bills and legal fees associated with workplace injuries and illnesses.

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Commercial umbrella/excess liability
All your commercial insurance policies will have coverage limits. If the nature of your business requires higher coverage amounts, consider a commercial umbrella liability policy.

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Commercial insurance for auto dealers and repair shops
Protect your dealership or repair shop with specialized insurance bundles for your industry. These policies address the unique liability risks faced by your business.

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Insurance bonds
Insurance policies can be specific to your business needs. We write bonds for notaries, contractors, estates, public officials, and more.

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Business owners policy (BOP)
Bundle your commercial property and general liability insurances into a business owners policy to save money on your insurance payments.

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Church insurance
Church insurance policies are specifically tailored to meet the needs of religious organizations. This includes general liability, property insurance, and pastoral professional liability coverage.

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Contractors liability insurance
Secure more contracts and customers by insuring your business. We offer industry-specific policies to best protect your construction business.

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Crime insurance
Many liability insurance policies exclude criminal acts such as fraud. Adding crime insurance to your existing policies ensures that your business is covered in the event of fraud, theft, and employee dishonesty.

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Cyber liability
A data breach of private company or customer information and the resulting fallout can bankrupt your business unless you have cyber liability insurance to help carry the financial burden.

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Directors and officers liability
Your board of directors and company leadership may face legal action for their business decisions. Protect their assets and get reimbursed for legal defense costs with directors and officers liability insurance.

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Earthquake insurance
Depending on the location of your business, you may be at risk for damages from an earthquake. Earthquake insurance fills any gaps in your property insurance coverage in the event of disaster.

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Employment practices liability
Protect your business from expensive lawsuits related to wrongful termination, failure to promote, sexual harassment, discrimination, and more with employment practices liability coverage.

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Hotel and motel insurance
Hospitality businesses face different risks from traditional storefronts or other businesses. Hotel and motel insurance tailors property insurance and other coverage to meet the needs of your industry.

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Inland marine and equipment breakdown coverage
Equipment can be essential to your business and expensive to replace. Inland marine insurance covers your equipment or merchandise in transport, and equipment breakdown reimburses you for repairs or replacement.

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Builder’s risk insurance
General contractors put in time and money to complete each new project. Get coverage for property damage and theft of equipment from your work site with builder’s risk insurance.

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Liquor liability
The majority of state laws can hold businesses liable for the actions of intoxicated individuals they served. Liquor liability is a necessary protection for restaurants, liquor stores, bartenders, breweries, and more.

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Manufacturers insurance
Manufacturers often require multiple insurance policies to cover equipment breakdown and liability risk of specialty machinery. Our manufacturers insurance bundles all your necessary coverage at an affordable rate.

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Nonprofit organization insurance
Property damages and liability lawsuits could destroy your budget and take away the focus on your mission. Nonprofit insurance includes coverages like general liability, commercial property, directors and officers insurance, and more.

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Office insurance
Whether you own or lease your office space, you will need insurance to protect your business location and equipment. Our office insurance covers your basic insurance needs so you can get back to business.

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Pollution insurance
Pollution insurance covers costs associated with pollution incidents like cleanup fees, legal fees, and investigation fees. These types of incidents are usually excluded from other liability policies.

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Professional errors and omissions insurance
Professional errors and omissions insurance protects professionals like doctors, accountants, fitness instructors, and more from claims of negligence, misrepresentation, or bad advice.

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Restaurant insurance
Restaurant insurance for your business includes business owners policy coverage and other policies specific to the restaurant industry like liquor liability or food liability coverage.

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Self-storage business insurance
Insurance policies customized to fit the needs of the self-storage industry includes sales and disposal liability, customer goods liability, and commercial umbrella coverage.

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Commercial trucking insurance
If you are driving a semi-truck or tractor-trailer, you’ll need specific insurance to cover cargo damage and accident liability.

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Commercial farm insurance
Insurance for your farm and equipment so that you can continue your business even after unexpected events.

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Employee Benefits
Offering competitive benefits for your employees can help you attract the most qualified candidates for your job openings. Our agency provides you with a range of options to offer you affordable rates on employee benefits.

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Do you have a question about insurance for your business?

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