Does Commercial Insurance Cover Damages to Vehicles and People in the Parking Lot?

Commercial insurance does a great deal to help make sure that business owners are safe and sound. It covers a huge range of different things and works to help you feel secure and to make sure that your patrons and your employees are safe as well. For those that live in the Fort Payne, AL area, the agents with Attain Insurance can help you to find the coverage that fits your needs.

Commercial insurance covers a wide range of things including helping with damages and injury to your patrons, as long as they are inside the building. Your commercial policy, unless otherwise stated, does not cover damages, does not cover injury, and does not cover any sort of event that happens in the parking lot of an establishment. This is because there are too many unknown variables in the parking lot of business. There may be damage that is not the fault or the responsibility of the business owner, that is not something that can be prevented, and there may also be an injury that is not the fault of the business owner.

Your commercial policy is going to cover injuries to patrons that are inside the building unless of course, the injury is due to negligence on your part as the business owner. Your commercial policy does a great deal, but there are some limits to what your coverage will do and what you can get out of your commercial policy in terms of paying off settlements and other issues. For those that live in the Fort Payne, AL area, the agents with Attain Insurance can help you find the appropriate commercial policy and the right coverage amounts that you need to be protected no matter what.