Business & Commercial Insurance
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Business & Commercial Insurance Information
Business & Commercial Insurance in Cleveland OH, Lakewood OH and Fairview Park OH
Your Local Business Insurance Provider in Ohio
A business takes hard work, resources and time to create and maintain. Protecting all of your resources and hard work is an important part of the process, but not all business insurance policies are created equal.
Joe Potts Insurance Agency LLC is an independent agency that works one on one with small business owners across Ohio to find and tailor business insurance policies. We want to make sure that your hard work is protected with an affordable policy geared toward your business’ unique needs.
What Does Business Insurance Cover?
There are several business insurance policies geared to cover different risks your business may face. Some of the business insurance coverages available through Joe Potts Insurance Agency LLC include:
Liability insurance covers claims filed against the business due to a variety of factors.
General liability is one of the most common liability policies. This covers claims of bodily injury, property damage and personal or advertising injury. If someone is injured on your business’ property, for example, general liability insurance can help with the victim’s medical bills as well as protect your business from a possible lawsuit.
Additional liability insurances include:
- Products Liability
- Water Damage Liability
- Umbrella Liability
- Contractual Liability
- Liquor Liability
Property insurance covers the physical assets of a business. Commercial property insurance covers the business’ physical location (such as a shop or offices) in case of loss or damage caused by fire, wind, hail, lightning, smoke, theft, vandalism and more.
Commercial auto insurance is another type of property insurance policy that instead covers the vehicles used or owned by a business. These policies may include comprehensive coverage, collision coverage, liability, medical payments coverage, uninsured/underinsured motorist and more. You may also need Hired or Non-Owned Auto, which covers vehicles used but not owned by the business, such as employee vehicles.
Workers compensation covers employee injuries that may occur on the job. If one of your employees suffers an injury while working, workers compensation can cover their medical bills, wage replacement, disability benefits and, in extreme cases, death benefits.
This insurance is required for most businesses across industries.
Business Owners Policy
A business owners policy (BOP) is a policy that combines commercial property insurance and general liability insurance into a single policy geared for small businesses. This type of policy can be adjusted with additional coverages depending on your business’ needs.
Insure Your Business Today
Don’t wait for an accident o protect your business. Connect with an agent from Joe Potts Insurance Agency Inc at or fill out an online quote form to get started.
Common Business Insurance Questions
How Much Business Insurance Do I Need?
Business insurance needs vary from business to business and industry to industry. You will want enough insurance to cover your business’ assets in case of an accident or a lawsuit. Speak with an agent at
to discuss how much insurance your business needs.
How Much Does Business Insurance Cost?
The cost of business insurance varies depending on your location, size of the business, industry, coverage limits, claims history and more. Fill out an to find out how much you can save on business insurance.
How Does Business Insurance Work?
As with other insurance policies, business insurance is generally paid through monthly premiums. So long as the premiums are paid, a business owner may file a claim for damages and other financial losses.
What Business Insurance Do I Need?
Insurance needs vary between businesses and industries. In general, workers compensation and commercial auto insurance are required on a state level. Other insurances, such as liability, are required to obtain certain licenses.
We thank you for considering Joe Potts Insurance Agency LLC, for your life-long home and property insurance needs. Call us at or come on down to our office in Cleveland, Ohio today to get started today!