Do You Have the Right Kind of Business Insurance?

By: Rachel Lueth, Cover Your Assets by Rae
Thank you for coming back to my second insurance segment. I hope most of you are still as excited as I am to dive into some details with today’s topic – Commercial Insurance 101. In this article, we will briefly go through the different types of insurance available for small businesses and hopefully continue to […]

Thank you for coming back to my second insurance segment. I hope most of you are still as excited as I am to dive into some details with today’s topic – Commercial Insurance 101. In this article, we will briefly go through the different types of insurance available for small businesses and hopefully continue to buff out that insurance haze. We won’t dive too deep into all of these right away. In future articles, we will feature more specific coverages as it may relate to the auto detailing industry. 

So here are the major players. Of course, we’re missing some, but let’s not overwhelm anybody. If you want more knowledge, you can always reach out to my Facebook page at the bottom of this article! 

  • Liability 
  • Property 
  • Workers’ Compensation 
  • Umbrella 
  • Employee Benefits 


Hopefully most of you are familiar with this concept. Simply put, do something negligent and you can be held accountable. Get a liability insurance policy, and it may help protect you and cover the expenses of a lawsuit or a settlement demand.  

Liability policies are meant to cover the day-to-day liability of running your business. This may include somebody being injured on your property, damaging somebody else’s property, somebody accusing you of false advertising (advertising injury), accusations of defamation, product liability, and completed operations liability. 

Medical payment coverage is sometimes offered in a commercial liability policy. Think of this as an act of good will towards somebody that was injured on your property. Your policy may have a small amount of medical payments coverage to cover the injured person’s medical treatment. This hopefully will prevent them from filing a lawsuit for any further damages such as pain and suffering. 

**Stay tuned for next time when we do a well-rounded review about the coverages that apply to the auto industry more specifically and additional coverages such as auto liability, garage keepers’ coverage, and more. **

All of these coverages make up a Commercial General Liability policy as a whole. Without this coverage, any business and business owner may be risking paying out of pocket expenses if something simply doesn’t go as planned. I’ve heard in my career a few times, “I don’t need liability, I’m very careful and don’t do anything negligent.” Most people don’t do negligent things on purpose, but life happens. The premium on these policies is typically determined by your gross sales, so if you are a small shop, you won’t pay the same as the bigger shops. 


This one is a bit simpler – you can insure your stuff in case it gets damaged, stolen, etc. If you own your building, you can insure the building. If you are renting, you will only insure the things you own inside the building. You have a deductible per claim. Typically, the insurance company will require you to insure your property within a certain percentage of it’s value and if you don’t, come claim time, your claim payment could be deducted by a pro-rated amount—co-insurance penalty. 

Property insurance, typically speaking, is a get what you pay for type policy. The key is to be educated on what your policy covers and excludes before a claim happens. If there is a claim that isn’t covered, it is not fun to have that come as a surprise. Be sure to go through your policy with your agent in detail. And keep in mind that sometimes saving money now can cost a lot of money later. When comparing quotes, don’t just look at the bottom line. Ask your agent for ways you can save money without necessarily sacrificing coverage, such as increasing your deductible. 

Workers’ Compensation 

AKA Work Comp – In the event that you have employees you must have a work comp policy. Your policy premium is determined by your total payroll. At the end of the year, the insurance company will do an audit to make sure you didn’t pay too much or didn’t pay enough. 

You may have sub-contractors or 1099 employees that are typically exempt, however, come claim or audit time, they still may be considered an employee. You want to make sure you are covered, therefore consulting with an attorney, accountant, and insurance agent to make sure you have the best policy for your business is vital. 

Owners can typically exclude themselves. Many owners that have health insurance will choose to exclude themselves to lower the premium on their work comp policy. Talk to your agent to discuss this option and confirm that this is the right decision for you and your business. 


Umbrella policies do just like they sound, they protect you like an umbrella, going on top of your other policies and giving you extra coverage. There are a few general things to note about umbrella policies: 

  • Umbrella coverage is liability only – meaning it does not provide extra coverage for property that you had underinsured. 
  • Umbrella policies typically exclude coverage for anything that was excluded in your underlying policies. 
  • Umbrella policies will typically not provide coverage for items for which had no underlying coverage, for example, you had a boat but didn’t have it insured, subsequently causing an accident. 

Employee Benefits 

The list of employee benefits can be quite long. We will be discussing several of these in future articles. Look forward to hearing a little bit about the following: 

  • Medical Insurance
  • Accident/Cancer/Hospital Indemnity Insurance
  • Life Insurance
  • Disability Insurance 

I know we covered a lot today, but we will discuss much of this in more detail as it pertains to your business coming up in the next few weeks. If you have any questions you want answered directly, please visit my page on Facebook and post them! Be sure to follow me while you are there as well! You can find me at @CYAbyRae. Until next time, keep buffing! 

Rachel Lueth has contributed to this article in her personal capacity. The views expressed are her own. All information provided is for informational purposes only. Because the information in this article is based on opinion and experience, it should not be considered professional advice. These ideas should be discussed with a licensed representative in your state. Every effort has been made to provide information that is current and accurate. Nevertheless, inadvertent errors in information may occur and the author makes no guarantees of completeness, accuracy, or usefulness, whether express or implied. The information contained in this article shall be used at your own risk and the author is not in any way whatsoever, responsible for your use of the information contained herein. 

Written By: Rachel Lueth, Cover Your Assets by Rae


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