Our team at Curtis Helms Insurance wants to help you do what’s best for your business, and we offer a range of insurance options to help you protect it. One of those options is casualty insurance, which is somewhat lesser known than other types of coverage. In this article, we’ll provide a brief overview of exactly what casualty insurance is so you can decide if you need it or not.
- Who is Casualty Insurance For? While our team generally places casualty insurance under the umbrella of commercial insurance in general, this type of coverage can be used by private individuals as well as businesses or employers. Of course, you may decide you don’t need casualty insurance to protect just yourself as a person, and our team is happy to offer advice about whether this coverage is a wise choice for your particular situation.
- What Does Casualty Insurance Cover? Casualty insurance is a broad category that includes multiple types of coverage, including vehicle insurance, theft insurance, and liability insurance. This last type of coverage is perhaps the most important for business owners, as it protects the holder in the event that they become legally liable for injuries or property damage–in other words, should someone get hurt and sue you for it, your liability insurance policy will pay for the damages. This aspect of casualty insurance covers things like workers’ compensation, which makes it an essential protection for any business.
We hope that this information has been helpful. If you have further questions about casualty insurance, just give us a call.