Business Insurance

Every business needs some degree of commercial insurance. For some, basic protection is sufficient, for others, they need higher limits and broader protection – it all depends on a business’s unique situation. (PLEASE FILL IN THIS GAP.) Your answers to all these questions and others will determine what kind of insurance you need, and how much coverage would be best for your business situation.

Let Country Club Insurance help you with your business insurance. We will ask a lot of questions to find the right insurance and insurance company for your business. We will insure you as if we were the owners of your business. Business insurance is designed to protect you, your business and employees. Whether you need basic coverage, such as general liability and property insurance or you require a complete array of coverages such as Bonds, equipment breakdown, crime, cyber liability, workers compensation, liquor liability, loss of income, etc… Country Club Insurance can provide exactly what you need.

General Liability insurance – This is the most basic insurance policy for business and protects you from liability risks (lawsuits). Every business should have liability insurance.

Commercial Property Coverage – If your business owns a building, equipment or inventory, you will need Property Coverage. This coverage protects against damage to your building(s) and the contents within the building due to a covered loss (a fire for example).

Commercial Automobile Coverage – Does your business own or require the need for a vehicle. Did you know that most personal auto policies exclude vehicles used for business? From automobiles to large trucks to a whole fleet of vehicles, Country Club Insurance can provide you with competitive pricing for commercial vehicle coverage.

Worker’s Compensation – Does your business have employees? Arizona state law requires you to have workers compensation insurance for your employees (even family members). If your employee gets injured while on the clock, workers compensation coverage will pay for your employees medical bills, and may pay for the employee’s loss of income as well.

Crime Coverage – This coverage is added coverage of a financial nature. It provides protections from counterfeit money, forgery, alterations, electronic transfers, employee theft… This is coverage is gaining popularity as more an more transactions are happening electronically.

Loss of Income Coverage – What happens if your business experiences a loss that damages your location and you cannot operate your business? If you have “Loss of Income” coverage, the insurance company sends you checks as if you are still in business. Pay your monthly bills, retain employees… This money will keep you afloat.

Inland Marine Coverage – If you have to take your equipment, tools, supplies, inventory to various job sites or if you are transferring you inventory to another location… Inland marine coverage will insure your tools, supplies and inventory while it is being transported.

Bonds – There are many reasons companies purchase bonds. If you are in the market for a bond, give Country Club Insurance a call. We can set you up with the correct bond for your type of business.

Do your find yourself with an ever expanding insurance folder? Discounts are likely available through Country Club Insurance when you bundle several commercial policies together, such as General Liability Insurance, Commercial Property Coverage, and Commercial Automobile Coverage. Ask a Country Club Insurance agent about bundling business policies to take advantage of shared coverage and see how much money you can save as well!

Whether you have a need for an insurance quote for your business, business auto or commercial property, we can provide you with a quote for all of your commercial exposures. One proposal, one agent. Contact us for a free, no-obligation consultation with one of our agents. We’d be happy to answer your questions and find the best value to suit your life situation.