General Liability Insurance

General Liability Insurance in Des Moines, Iowa

oday, it’s a very good idea for a small business to carry General Liability Insurance. Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you are also accountable for keeping your employees and property insured from injuries and damages. At Densmore Insurance Strategies, Inc., we can help you create a policy that is designed to safeguard the best interests of your business – so you can focus on serving your customers and increasing your profits.

Commercial General Liability Insurance from Densmore Insurance Strategies, Inc. can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Coverages from Densmore Insurance Strategies, Inc. include:

Other types of Commercial General Liability Insurance include Garage keepers Liability and Employment Practices Liability. If you run an auto service operation, having Garage keepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

ADDITIONAL COMMERCIAL LIABILITY

ther specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.

WHAT KIND OF BUSINESS INSURANCE DO I NEED?

To find your insurance sweet spot, you’ll have to figure out what coverage makes sense and that the benefits will outweigh the premium costs. To do this you’ll have to answer heaps of questions and make tons-o-decisions, but your patience and effort will be rewarded with peace of mind.

Example: You’re the proud owner of a thriving banana stand franchise with 12 locations spread across the great state of Nebraska. Do you want theft coverage, even though your equipment, ingredients, and stand materials only total $10,000? Yeah, that’s just a taste of the kind of questions you’ll be answering.

Company Size Is a Huge Factor

One of the biggest price and process factors for finding insurance depends on the size of your company. A small startup will face a much easier process than a big corporation with multiple locations.

Types of companies:

Small – Sole proprietors, S Corps or LLCs: This will be a more decision-friendly process. You can get a Business Owner’s policy (BOP) and packages that offer a number of check-the-box options.
Big – Major corporations, franchises or conglomerates: Here is where the doors blow off the hinges from all the different coverage options. Certain locations may need different types of coverage, and with a larger workforce, you might want more appealing benefits to attract talent.

HOW MUCH DOES IT COST IN DES MOINES IOWA?

The cost of business insurance policies depends on the coverage and a number of other factors like size, location, and materials used. So, a small children’s book publisher might only pay $550 a year, whereas an underwater oil drilling company could pay $550,000 a year. Basically, the safer and smaller the company, the cheaper it is.

Since there are many types of liability coverages, it is important to talk with a specialist at Densmore Insurance Strategies, Inc. about the best options for your business.

Our goal at Densmore Insurance Strategies, Inc. is to provide insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

We specialize in Commercial General Liability Insurance in communities near Ankeny Iowa, Altoona Iowa, Bondurant Iowa, Des Moines Iowa, West Des Moines Iowa, Johnston Iowa, Waukee Iowa, Grimes Iowa, Polk City Iowa, Pleasant Hill Iowa, Norwalk Iowa, Huxley Iowa, and Urbandale Iowa. We are licensed to serve Iowa, Illinois, Nebraska, Florida, Missouri, Arizona, Texas, and Tennessee.

HOME & AUTO INSURANCE – ADDITIONAL BONUSES

When you combine Homeowners & Auto Insurance, you may also qualify for extras like single deductibles (when your home and car are damaged as a result of the same event), emergency lockout coverage, accidental death benefits, and airbag replacement from accidental deployment.

DO YOU OWN A SMALL BUSINESS IN THE ANKENY/DES MOINES AREA?

At Densmore Insurance Strategies, Inc we’re on your side, small business owners! We understand the challenges you face each day to maintain a thriving small business in Iowa for example:

Cashflow
Profitability
Productivity
Connections
Customers
Regulation
Marketing
And let’s not forget Insurance and Risk Management

Regardless of the size of your small business here in Central Iowa, our professionals will review the impact & likelihood of your operational & strategic risks and offer recommendations that help maximize your success.

You can find our office in Bondurant, and our clients all around the state of Iowa. As an independent insurance agency in the Ankeny area, we take pride in reviewing your options for business insurance with multiple insurance companies and comparing protection and prices to find the best value for your business.

We proudly serve the business members of the Ankeny, Des Moines, Altoona, Bondurant, Urbandale marketplace, and we’re committed to being an advocate for you and your business in times of need. We are licensed to serve Iowa, Illinois, Nebraska, Florida, Missouri, Arizona, Texas, and Tennessee.

Please continue to do your research on our website densmoreinsurance.com or https:/densmoreinsurance.com

WHY CHOOSE US?

Great Reputation

We have an excellent reputation in the insurance industry and are known for our high-quality products and services.

Emergency Services

We offer emergency services to our clients in the event of an accident or natural disaster. We are here to help you when you need us the most.

Competitive Rates

We offer competitive rates on our products and services. We work hard to get you the best possible rate on the coverage you need.

Dedicated Team

Our team is dedicated to providing our clients with the best possible service. We are here to answer any questions and help you find the right policy for your needs.

FREQUENTLY ASKED QUESTIONS

What is commercial insurance?

Commercial insurance is a type of insurance that provides protection for businesses, organizations, and professionals. It can help protect your business from financial losses due to accidents, property damage, lawsuits, and other unexpected events.

Why do I need commercial insurance?

Commercial insurance can help protect your business from a variety of risks, including property damage, liability, and lawsuits. It can also help you cover the costs of repairs or replacements if your business is damaged or destroyed.

What types of commercial insurance are available?

There are many different types of commercial insurance available, depending on the needs of your business. Some common types of coverage include property insurance, liability insurance, workers’ compensation insurance, and product liability insurance.

How much commercial insurance do I need?

The amount of commercial insurance you need will depend on the type and size of your business, as well as the risks involved. You should speak with an insurance agent or broker to determine the right amount of coverage for your business.

How much does commercial insurance cost?

The cost of commercial insurance will vary depending on the type and amount of coverage you need. Speak with an insurance agent or broker to get a custom quote for your business.

CONTACT US

You deserve the best insurance coverage and we can provide it.

We know that you have a lot of choices when it comes to choosing an insurance company. That’s why we work hard to make sure that you always have the best possible coverage at the best possible price. We want you to be confident that your family is taken care of in case something happens. That’s why we offer a wide variety of insurance policies, so you can find the perfect one for your needs. And our team is always here to help – so don’t hesitate to call us if you have any questions.

Request a free quote today you can contact us at 515-967-3390.