Why commercial insurance?

Commercial insurance is designed to protect businesses and their owners and employees. Every business is different, so there is no one-size-fits-all policy, especially for small business owners. Trust Alchemy Insurance to find you an affordable policy from one of our many trusted brands that’s just right for your business needs.

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What commercial insurance do you need?

First, think about your business and what coverage you may need. See the policy types below and contact Alchemy Insurance to help you. We’ll search to find you an affordable policy from one of our many trusted brands.

Commercial Property

Security to cover not only the brick and mortar location, but also assets such as tools and equipment, computers, inventory technology and more.

Business Income

Helps businesses replace income as a result of operations being suspended from losses such as theft, fire, or natural disaster.

General Liability

Protection for your business from claims such as property damages and employee on-the-job injuries.

Business Owners

BOP combines coverage for major liability and property risks under one umbrella. Usually includes insurance for property, business interruption and liability protection.

Commercial Auto

Coverage for owned, leased, or rented commercial vehicles. Protects you and your business in the event of collision, bodily injury, property damage, etc.

Errors & Omissions

E&O is specialized insurance that protects businesses and individuals against losses not covered by General Liability insurance.

Directors & Officers

D&O protects the personal assets of corporate directors and officers. It offers specific coverage not provided by General Liability insurance.

Workers Compensation

Provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more.

Why choose Alchemy Insurance?

As an independent agency, Alchemy can shop multiple brands at once to find the insurance that best suits your needs.
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Frequently Asked Questions

What is Commercial insurance?

Commercial insurance, or business insurance, helps companies protect their intellectual and physical property and their financial assets. This includes losses that could result from lawsuits, property damage, workers compensation, loss of income, cyber and privacy issues, and more.

What type of coverage do I need for my employees?

Businesses with employees are required by law in most states to provide workers’ compensation, unemployment insurance and disability insurance in some states. Also, consider getting an employment practices liability (EPL) policy that protects your business against allegations of discrimination, harassment, and wrongful-termination of employees. Finally, keep auto insurance in mind if you or your employees are driving for work purposes. It can help cover the costs of possible accidents.

How much is Commercial Insurance?

A good rule of thumb for budgeting for commercial insurance is about 20 to 30 percent of your business’s gross income. These costs may vary depending on the coverage you need and the risks of certain industries.

Commercial Insurance