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500 Bic Dr, Suite 102
Milford, CT 06461

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White Oak Insurance LLC Blog

3 Types of Commercial Insurance That Most Businesses Need

If you haven’t thought about commercial insurance for your business, you are taking a big risk. More than 45% of new businesses fail within the first 5 years. So many things can go wrong but you can lessen the impact by having the correct commercial insurance. At White Oak Insurance LLC in Milford, CT, we use our experience in commercial insurance to help our customers make the right decision. 

Commer Insurance: What Coverages To Consider

Commercial Property Insurance

You may think that since you are a renter, or have a home business, you don’t need commercial property insurance. That is the wrong way of thinking. Commercial property insurance is not just about the physical building, it is about the things that you use every day in your business. If you have an office, it will cover your desks, files, computers, phones, and copier. If you are a manufacturer, it covers your raw materials and your machinery. For stores, it is your registers, inventory, display racks, and more. 

Commercial Liability Insurance

Liability is one of the biggest risks that most businesses face. In a world where suing businesses is a national pastime, the chances of you getting sued are very high. About 33% of businesses get sued in any given year. Some businesses are at higher risk than others, but taking this risk is not worth it for most businesses when legal action could put you out of business. Even if you win the case, the cost of the legal defense could be very prohibitive. 

Workers Compensation Insurance

Connecticut requires that employers who have one or more employees, no matter whether they are full or part-time, cover them with workers’ compensation insurance. Their weekly wage doesn’t matter.   

Give Us A Call

Contact White Oak Insurance LLC in Milford, CT to have your business risks reviewed and your commercial insurance needs met. 

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • 24 hour policy access online

States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
  • Maine

Partner Carriers

  • American Commerce
  • American Modern
  • AmTrust
  • Banner
  • Chubb
  • Dairyland
  • Foremost
  • Guard
  • Hagerty
  • Hanover
  • Harleysville
  • John Hancock
  • Kemper
  • Liberty Mutual
  • Lincoln Life
  • MetLife
  • Narragansett Bay
  • National General
  • National Grange
  • New York life
  • Progressive
  • Prudential
  • Quincy Mutual
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Utica 1st