Business insurance is designed to protect your company from the financial fallout of lawsuits, property damage, employee injuries, professional mistakes, workers’ compensation claims, and a wide range of other risks. Having the right coverage in place can be the difference between a minor setback and closing your doors for good.

At Arrington Risk Management, we work with leading commercial carriers to deliver tailored coverage that fits your business today and adjusts as you grow.

Core Types of Business Insurance

- General Liability

Covers bodily injury, property damage, and advertising injury you’re legally responsible for, plus legal defense costs if you’re sued.

- Commercial Auto

Protects company-owned vehicles (or personal vehicles used for business). Includes liability for accidents you cause, plus collision and comprehensive coverage for theft, vandalism, fire, hail, glass breakage, and more.

- Commercial Property

Safeguards your building, equipment, inventory, furniture, and other business assets from fire, theft, vandalism, windstorms, and most other covered perils.

Important Additional Coverages

- Professional Liability (Errors & Omissions)

Defends you if a client claims your services or advice caused them financial loss.

- Workers’ Compensation

Required in nearly every state once you have employees. Pays medical bills, lost wages, and rehab costs for work-related injuries or illnesses—and shields your business from most employee lawsuits.

Other common options include cyber liability, employment practices liability, business interruption, and commercial umbrella policies.

How Business Insurance Rates Are Determined

Your premium is based on your industry, revenue, payroll, location, claims history, and the specific coverages and limits you select. Because no two businesses face exactly the same risks, we shop multiple top-rated carriers to build the strongest protection at the most competitive price.

Contact Arrington Risk Management today for a fast, no-obligation quote. We’ll make sure you get the right coverage, right away.