Commercial Insurance

Schedule a Free Consultation

This field is for validation purposes and should be left unchanged.

See What Our Customers Are Saying

“Brett is a guy who genuinely cares for his clients, and wants to help them as much as he can. He’s honest and upfront, and not about just selling you a policy that is basic. He takes the time to get to know you and will craft coverage that fits you and your family the best way! I cannot recommend him enough! Hard to find someone these days who believes in the level of service he does! You won’t be disappointed!”

Heather R.


“Brett Mehl is great to work with! He was very responsive and worked hard to get us the best coverage! He is responsive and always answers the phone. We highly recommend him”

David C.


“Brett is awesome! Would recommend anyone that is currently searching for an agent to give Brett Mehl a call.”

Michael F.

Commercial insurance is a type of insurance that is designed to protect businesses and organizations from financial losses due to various risks, such as property damage, liability claims, and other types of losses.

It can include a wide range of coverage options, such as general liability insurance, property insurance, workers’ compensation insurance, and more, depending on the specific needs of the business.

There are several types of commercial insurance, including:

  • General liability insurance: protects businesses from third-party claims of bodily injury and property damage.
  • Property insurance: covers damage to a business’s physical location and property, such as buildings and equipment.
  • Business interruption insurance: compensates for lost income and expenses if a business is unable to operate due to a covered loss.
  • Professional liability insurance: also known as errors and omissions insurance, protects businesses from claims of professional negligence or malpractice.
  • Cyber liability insurance: protects businesses from losses due to cyber attacks and data breaches.
  • Workers’ compensation insurance: provides benefits to employees who are injured or become ill as a result of their job.
  • Product liability insurance: provides protection against claims of injury or damage caused by a company’s products.
  • Vehicle insurance: covers the damage to or loss of company-owned vehicles.

These are just a few examples of the types of commercial insurance available. The specific insurance needs of a business will depend on the industry and size of the company.

Commercial insurance is necessary for businesses because it provides financial protection against potential risks and losses. Without insurance, a business could face significant financial losses in the event of a lawsuit, accident, natural disaster, or other unexpected event.

Commercial insurance can help protect a business’s assets and income, as well as provide liability coverage for claims made against the company. It can also provide protection for a company’s employee, in case of injuries or illness.

The most common claims in a commercial insurance policy are:

  • Property damage – this can include damage to the business’s building or equipment, as well as loss of business income if the damage causes the business to temporarily close.
  • Liability – this can include claims made against the business for injuries or damages caused by the business’s products or services.
  • Workers’ compensation – this can include claims made by employees for injuries or illnesses sustained on the job.
  • Business interruption – this can include loss of income due to a covered event, such as a natural disaster, that forces the business to temporarily close.
  • Vehicle accidents – this can include claims made for damages or injuries resulting from an accident involving a company-owned vehicle.
  • Cyber liability – this can include claims made as a result of data breaches or cyber attacks.
  • Employment practices liability – this can include claims made by employees or job applicants for discrimination, harassment, or wrongful termination.


It is important to note that different commercial insurance policies can include different coverage options and not all claims may be covered by all policies.

Furthermore, many commercial landlords and clients require that businesses have certain types of insurance coverage before they will sign a lease or contract. Some types of commercial insurance, such as workers’ compensation and liability insurance, are also legally required in many jurisdictions.

Some common misunderstandings about commercial insurance include:

  • That commercial insurance is only for large businesses – this is not true, as commercial insurance is available for businesses of all sizes.
  • That commercial insurance is only for businesses that sell products – this is also not true, as commercial insurance can be used to protect businesses that provide services as well.
  • That commercial insurance is a one-size-fits-all solution – this is not the case, as there are many different types of commercial insurance policies available, each designed to address specific risks that businesses may face.
  • That commercial insurance is too expensive – the cost of commercial insurance can vary depending on the type of policy, the size of the business, and the level of coverage required. It is important to shop around and compare prices before purchasing a commercial insurance policy.
  • That commercial insurance is not necessary – many businesses believe they do not need commercial insurance because they believe they are not at risk. This is not true, as all businesses are at risk of potential liabilities and losses and commercial insurance is necessary to protect the business financially in the event of such occuring.

In summary, commercial insurance is necessary to protect a business’s financial well-being, meet legal requirements and to secure contracts and leases. It is a cost-effective way to manage risk and help ensure the long-term viability of a business.

When choosing commercial insurance, business owners typically consider several factors:

  • Coverage needs: Business owners will assess the types of risks their business is exposed to and determine what coverage is necessary to protect against those risks. This will vary depending on the industry, size, and location of the business.
  • Cost: Business owners will consider the cost of the insurance policy, including the premium and any deductibles or co-pays. They will also consider the overall cost of potential losses in relation to the cost of insurance coverage.
  • Reputation and financial stability of the insurance company: Business owners will typically research and compare insurance companies to ensure they choose a reputable and financially stable provider.
  • Service and claims handling: Business owners will consider the quality of service and claims handling provided by the insurance company. They will also want to ensure that the company has a good track record of handling claims promptly and fairly.
  • Policy flexibility: Business owners will consider the flexibility of the policy, including options for customization, additional coverage, and endorsements.
  • Compliance with laws and regulations: Business owners will consider if the policy complies with the laws and regulations of their industry, state and federal laws.
  • Discounts and incentives: Business owners will also consider any discounts or incentives offered by the insurance company.
  • Broker or agent: Many business owners will consider using an insurance broker or agent to help them find the best policy for their business.


Overall, business owners consider a variety of factors when choosing commercial insurance, with a focus on finding coverage that meets their specific needs at a cost they can afford, while ensuring that the provider is reputable and reliable.