In auto insurance, the term “total loss” is used when the cost to repair a vehicle exceeds its current market value. When this happens, the …
Why Commercial Insurance Matters for Your Business
At Calidad Insurance, we understand that your business is not just your livelihood—it’s your legacy. Whether you run a small shop, manage a growing company, or operate specialized services, having the right commercial insurance is essential to protect your assets, employees, and reputation.
From unexpected accidents to legal claims, our tailored coverage solutions ensure your business stays secure and operational no matter what challenges arise.
Key Commercial Insurance Coverages We Offer
Workers’ Compensation Insurance
Required in most states, including Georgia and South Carolina, workers’ compensation insurance protects your employees if they experience work-related injuries or illnesses. It covers:
• Medical expenses for treatment and rehabilitation.
• Lost wages during recovery.
• Employer liability protection against lawsuits.
Even if you don’t have employees, carrying workers’ comp for yourself can enhance your credibility, allowing you to compete for contracts that require it.
General Liability Insurance
General liability insurance shields your business from claims involving bodily injury, property damage, or negligence. Key benefits include:
• Coverage for legal defense and settlements.
• Compliance with contract requirements (many clients demand proof of liability coverage).
• Safeguarding your reputation while focusing on growth.
Commercial Auto Insurance
If your business owns or uses vehicles, commercial auto insurance protects against accidents, damages, and liability claims. This coverage applies to delivery vehicles, service vans, trucks, and more.
Business Owner’s Policy (BOP)
A BOP combines general liability and commercial property insurance, ideal for small businesses seeking affordable, comprehensive protection.
Professional Liability Insurance
Also known as Errors & Omissions (E&O), this protects service-based businesses from claims of negligence or inadequate work.
Specialized Industry Coverages
We also provide tailored insurance for:
• Restaurants and retail shops.
• Contractors and trades.
• Offices and professional services.
• Home-based businesses.
Why Choose Calidad Insurance for Your Commercial Coverage?
• Local Expertise: We understand the business landscape in Georgia and South Carolina.
• Tailored Solutions: We match your business type and industry requirements with the right policies.
• Access to Top Carriers: We work with leading insurance providers to secure competitive rates.
• Bilingual Service: English and Spanish support for business owners in our diverse community.
