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Running a Business Is Risky—Insurance Shouldn’t Be
Owning a business means wearing a lot of hats: leader, problem solver, marketer, decision-maker, and sometimes even janitor. But with every role comes responsibility—and with responsibility comes risk. That’s where commercial insurance comes in. It’s more than just a policy. It’s a plan to keep your business alive and thriving when the unexpected happens. At Metro-West Insurance Services, we’re here to make sure your hard work is protected with the right coverage, at the right time, for the right price.
What Commercial Insurance Really Does
In a nutshell, commercial insurance protects your business from losses. These could come from natural disasters, theft, lawsuits, employee injuries, data breaches—you name it. If it can disrupt your business, there’s a way to insure against it.
But we get it—insurance can be confusing. That’s why we keep it simple, personal, and practical. Because when your livelihood is on the line, you don’t want fine print. You want someone in your corner.
Top Risks Facing Small to Mid-Sized Businesses
| Risk | Average Claim | Recommended Coverage |
|---|---|---|
| Customer Injury or Property Damage | $35,000+ | General Liability |
| Fire or Storm Damage | $100,000+ | Commercial Property |
| Employee Injury | $20,000–$80,000 | Workers’ Compensation |
| Cyberattack or Data Breach | $150,000+ | Cyber Liability |
Essential Commercial Insurance Coverages
Covers claims of bodily injury, property damage, and legal costs if someone sues your business.
Protects your office, equipment, inventory, and buildings against fire, theft, and weather-related damage.
If an employee is injured on the job, this coverage helps with medical expenses and lost wages.
Covers you in case of a data breach or cyberattack, including costs for notification, recovery, and legal defense.
Insures vehicles used for business purposes—whether it’s one car or a fleet of delivery vans.
Gives you extra liability protection when claims exceed the limits of your primary policies.
Every Business Is Different—So Is Every Policy
Whether you run a coffee shop, a construction company, a consulting firm, or a car wash, your risks are unique. That’s why cookie-cutter insurance won’t cut it. At Metro-West Insurance Services, we take the time to understand your business, your people, and your goals.
We ask questions most agents skip. Do you subcontract? Have a fleet? Handle sensitive data? Host events? These things matter—and they affect what kind of commercial insurance coverage you really need.
Signs It’s Time to Re-Evaluate Your Coverage
- You’ve grown—added staff, new services, or new locations
- Your equipment or property values have increased
- Your current policy was purchased more than a year ago
- You’re not sure what’s actually covered (or not)
If any of these sound familiar, let’s talk. A quick review might save you thousands—and give you peace of mind you didn’t know you needed.
How Metro-West Insurance Services Makes Commercial Insurance Easy
We believe insurance should work for you—not the other way around. That’s why Metro-West Insurance Services offers:
- Personalized attention and guidance
- Fast, competitive quotes
- Ongoing support and annual reviews
- Help with claims when things go wrong
We’re not a call center. We’re real people, just like you—problem solvers, planners, and neighbors who care about keeping your business safe and thriving.
Don’t Wait Until Something Goes Wrong
Too many businesses only find out they’re underinsured when it’s too late. Don’t let a lawsuit, accident, or disaster catch you off guard. Let’s build a plan that gives you confidence and clarity—so you can focus on running your business, not worrying about it.
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Questions? Call us at 323-937-9225. We’re here to help you protect your business, your team, and your future.
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