Business & Commercial Insurance

Businesses can flourish in the dynamic and competitive landscape of Charlotte, North Carolina. However, growth and opportunity also bring risks and uncertainties, making business insurance vital to protect companies from potential financial losses due to unforeseen events.

At JM Hamilton & Associates, we can offer tailored insurance solutions to meet your business’s unique needs. Our team of experts can help you navigate the complexities of insurance and ensure you have the right coverage to protect your business from potential risks.

What Do Business Policies Cover?

Each business is unique, so working with an insurance agent to tailor a policy that fits your needs is essential. However, business insurance may often cover:

• General liability insurance may cover third-party claims of bodily injury, property damage and personal injury that could arise from your business operations.

• Commercial property insurance may financially protect your business property, including buildings, equipment and inventory, against risks like fire, theft and vandalism.

• Workers’ compensation insurance may provide benefits to employees who suffer work-related injuries or illnesses while covering a company’s legal expenses in case of a lawsuit.

• Business owner’s policy can combine general liability, commercial property insurance and business interruption insurance into one policy.

• Professional liability insurance can cover claims related to professional mistakes or negligence.

• Commercial auto insurance may cover vehicles your business owns and provide financial protection in case of accidents.

• Cyber liability insurance can protect against data breaches and other cyber threats, covering costs like notification expenses and legal fees.

• Business interruption insurance may help cover lost income and operating expenses if your business is temporarily unable to operate due to a covered event.

How Does Coverage Work?

Business insurance transfers financial risks from your business to the insurer. You pay a premium, and in return, the insurer can cover specified risks. If a covered event occurs, you file a claim, and the insurer evaluates it. If approved, they can compensate you for your losses.

Where to Get Business Insurance

JM Hamilton & Associates can offer the right insurance solutions to help your business thrive. Contact us today to learn more.