Commercial Insurance Coverage

When it comes to owning a business, there are risks involved and you have to expect the unexpected. At Ozburn, we offer commercial insurance that can work for you and your business as a whole. From commercial property, workers compensation, business personal property, commercial general liability, and more, the right coverage for your business can bring a lot of relief. 

Commercial Insurance: What is it?

Commercial insurance is coverage for businesses. The most common types of commercial insurance are property, liability, commercial auto, and workers compensation. At Ozburn, we know the risks involved with business ownership, and we want to ensure that the entrepreneurs in our community feel protected so they can focus on innovating and growing their businesses.

Why is Commercial Insurance Important

Commercial insurance provides financial protection for your business in the event of injury claims, cyberattacks, and other liabilities. Your business is your greatest asset, and there are many things that can go wrong. However, that does not have to mean they should be hard to take care of. Protect your business with Ozburn and take on the world with confidence.

Why Should Someone Choose Ozburn for Insurance?

Ozburn has been working with local businesses for decades. Our longevity in the community is well known, and we are here to stay. Your business will get a personalized policy that fits all of your needs. If any changes are to happen in your business, there is no need to worry! Ozburn will work closely with you and build a strong two-way relationship to ensure your satisfaction.

Commercial Insurance Coverage Types

Commercial insurance includes a variety of different types of coverages. Commercial insurance coverages include:

  • Commercial General Liability
  • Commercial Property
  • Workers Compensation
  • Commercial Automobile
  • Business Personal Property
  • Bonds
  • Garage/Dealers Liability
  • Farm

Commercial General Liability

Commercial general liability insurance is the type of insurance that covers and protects your business from financial loss in the case that you are liable for property damage, medical payments, or personal and advertising injury. In the event that these are caused by business operations or your employees, nonprofessional negligent acts will be covered. Ozburn recommends that a business carry this type of insurance for the protection that it offers against financial loss and common lawsuits that businesses face.

Commercial Property

Commercial property insurance provides coverage on your business and personal assets. This type of insurance is especially important for business owners who run their business out of their home. In the event that your business property is damaged, destroyed, faces theft, or endures other acts covered by the policy, commercial property insurance helps to protect and help your business. The hardworking team at Ozburn can help you find the commercial property coverage that is right for you.

Workers Compensation

Otherwise known as workman’s comp, workers compensation covers employees in the event that they sustain an injury or illness from work. Worker’s compensation helps to cover the employee’s medical costs and make up for lost wages, as well as some other benefits. In addition, it helps to cover legal costs if the affected employee or their family takes legal action. Worker’s compensation insurance is important for the benefits that it provides to both the employee and employer. Ask the team at Ozburn insurance how they can help you with your worker’s compensation insurance needs.

Commercial Automobile

Commercial vehicles require additional coverage that is provided through commercial automobile insurance policies. Most commercial vehicles are not covered by personal auto insurance policies, making commercial vehicle policies important.

Business Personal Property

Business personal property insurance protects business contents. Business contents include items such as office supplies, furniture, electronics, and more. In the event of damage or theft, these belongings are covered.


In the event that a bond defaults, bond insurance policies offer coverage and guarantee the repayment.

Garage/Dealers Liability

Garage/dealers liability insurance provides bodily injury and property damage. In the event of an accident at a car dealership or auto repair shop, garage/dealers liability insurance will provide protection. 


Farm insurance is a form of insurance that falls under both personal and commercial categories. Because it is a hybrid insurance, farm insurance not only provides coverage for the home, possessions, and personal liability, but also for farm injuries and farm equipment. However, farm insurance typically does not provide coverage for crops

Find an insurance agent; Call us anytime.

Call Now

Your Southern Illinois hometown insurance agency. We are here for you when you need us. Set up your perfect plan today.