What Is USAA Commercial Insurance?
USAA commercial insurance provides comprehensive coverage for your business. Whether you’re running a small shop, large company or anything in between, USAA has customizable insurance solutions tailored to your needs.
USAA offers business insurance packages like:
General liability insurance which protects against financial loss from injury or property damage claims. This covers things like slips and falls on your property or damage from a product you sell or make.
Property insurance to protect physical assets like buildings, equipment, and inventory in the event of events like fire, theft, or natural disasters. USAA will determine the value of your property and ensure you have adequate coverage.
Business auto insurance for vehicles used for work purposes. This covers liability as well as collision and comprehensive damage for your business fleet.
Worker’s compensation insurance which provides benefits to employees injured on the job. This is required for most businesses and USAA can help you stay compliant with your state’s laws.
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Types of USAA Commercial Insurance Policies
USAA offers various commercial insurance policies to meet the needs of your business.
1. Business Property Insurance
This protects the physical assets of your company like buildings, equipment, and inventory in the event of events like fire, theft, or natural disasters. It covers the costs to repair or replace damaged property and any loss of income from business interruption.
2. General Liability Insurance
This protects your business from claims of bodily injury or property damage. It covers legal costs if someone sues your company over an incident at your place of business or related to your operations. General liability insurance gives you peace of mind in case of accidents, injuries, or unintended harm.
3. Business Vehicle Insurance
If your company relies on vehicles, you'll want coverage for them. USAA business auto insurance protects vehicles used for commercial purposes like cars, trucks, and fleets. It covers liability, collision, and comprehensive claims so you're protected in the event of an accident.
4. Workers' Compensation Insurance
This provides coverage for work-related injuries or illnesses for your employees. It fulfills your legal obligation to provide medical care and wage replacement for any employees hurt on the job. Workers' comp insurance also protects you from employee lawsuits.
5. Professional Liability Insurance
Also known as errors and omissions (E&O) insurance, this protects your business from claims that arise from mistakes or negligent acts in the services you provide to clients.
For example, if you're an accountant, architect, or consultant, professional liability insurance covers claims from clients for poor work or bad advice.
USAA has the commercial insurance solutions to keep your business protected. Reach out for a free quote to find the right coverage and limits for your unique needs.
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Why Choose USAA for Your Business Insurance Needs?
Here are a few of the many reasons to choose USAA for your business insurance:
1. Trusted Name
USAA has earned the trust of over 13 million members by providing exceptional service and value for over 100 years. Their commercial insurance products are backed by the same commitment to caring for military members as their personal insurance lines. You can feel confident your business is in good hands with USAA.
2. Tailored Coverage
USAA understands military members have unique needs. They offer customized insurance solutions tailored to your specific business requirements. Whether you own a small shop, large warehouse, or professional services firm, USAA has a policy to fit your needs. They provide coverage for commercial property, general liability, commercial auto, worker's compensation, and more.
3. Competitive Rates
USAA leverages their large membership base to negotiate competitive rates from top-rated insurance carriers. Those savings are passed directly to members. Bundling multiple policies, like commercial property and liability, can qualify you for additional discounts. USAA consistently offers lower premiums than other major insurance providers.
4. Superior Service
At USAA, service is their top priority. Their dedicated commercial insurance specialists are available to walk you through options, address any questions, and help you find the best, most affordable coverage for your business. They make the insurance process simple and hassle-free so you can focus on running your company.
If you're looking for a trusted, military-friendly insurance provider for your business, USAA should be at the top of your list. Their customized, affordable commercial insurance products and renowned customer service can give you the coverage and peace of mind you need.
