Your business insurance needs may be basic, or you may need special protection options. We can handle any coverage to fit your Maine business. There is no business too large or small; FAPCO has coverages for them all. In this article, we will overview commercial insurance’s three basic parts:

Property

First, property coverage: If your property is damaged, these coverages can get you back to business quickly. They will pay for repairing damages, as well as replacing lost business income and payroll expenses. For example, coverages include:

  • Buildings Coverage
  • Business Personal Property Coverage
  • Business Income Coverage

Liability

Second, liability coverage: Business liability insurance protects you should anyone file a claim against your business due to injuries. It takes care of damages you are legally obligated to pay as well as any associated legal costs. For instance, coverages include:

  • Premises and Operations Coverage
  • Products and Completed Operations Coverage
  • Employment Practices Liability Coverage
  • Cyber Liability and Data Breach Coverage

Crime

Lastly, crime coverage: In the event an employee is stealing funds from your business, you have coverage. In addition, this applies to forgery and other crime related losses as follows:

  • Employee Dishonesty
  • Money and Securities
  • Forgery & Alteration
  • Counterfeit Currency & Money Orders

We’re Here To Help Provide Coverage for Your Maine Business

Because we are a Maine small business ourselves, we know the commercial coverage needs of businesses in this area. Therefore, if you’d like to see why companies have been coming to us for generations, send us an online quote request or call one of our agents at 877-960-1457. In conclusion, a successful business comes with many liabilities, but we’ll help you stay focused on your goals.

Remember, if it’s in Maine, we insure it!


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