Commercial Insurance Needed for Your Business

Keep operations running smoothly with business insurance coverage.

Protect Your Assets

Your business is your livelihood. Insurance options for your business are an essential tool to safeguarding that livelihood. Whether you operate a small business or large company, you’ll need some of the same basic commercial policies. We offer a range of affordable commercial insurance coverages to keep you protected.

We’ve sorted out the most general coverage options Mississippi business owners need to stay protected. Learn more about each of our coverage options below:
Commercial automotive insurance
If you own and operate vehicles as part of your business, you’ll need a separate policy to cover automobile accidents, damage, and liability.

Insurance bonds
Insurance policies can be specific to your business needs. We write bonds for notaries, contractors, estates, public officials, and more.

Builder’s risk insurance
General contractors put in time and money to complete each new project. Get coverage for property damage and theft of equipment from your work site with builder’s risk insurance.

Business owners policy (BOP)
Bundle your commercial property and general liability insurances into a business owners policy to save money on your insurance payments.

Cyber liability
A data breach of private company or customer information and the resulting fallout can bankrupt your business unless you have cyber liability insurance to help carry the financial burden.

Earthquake insurance
Depending on the location of your business, you may be at risk for damages from an earthquake. Earthquake insurance fills any gaps in your property insurance coverage in the event of disaster.

Commercial general liability
You can be held responsible if someone slips, falls or injures themselves at your place of business. Get insurance coverage for medical bills, legal fees, and more expenses from liability claims.

401k retirement plan
Attract talent and retain employees by providing competitive benefits to your staff. Establishing a 401k retirement plan can help your employees prepare for their future.

Workers’ compensation insurance
Most states require businesses with employees to provide workers’ compensation insurance. This coverage pays medical bills and legal fees associated with workplace injuries and illnesses.

Inland marine and equipment breakdown coverage
Equipment can be essential to your business and expensive to replace. Inland marine insurance covers your equipment or merchandise in transport, and equipment breakdown reimburses you for repairs or replacement.

Pollution insurance
Pollution insurance covers costs associated with pollution incidents like cleanup fees, legal fees, and investigation fees. These types of incidents are usually excluded from other liability policies.

Commercial property insurance
Protect your business property and merchandise in case of fire, vandalism, theft, and other covered events that cause damage and loss.

Commercial umbrella/excess liability
All your commercial insurance policies will have coverage limits. If the nature of your business requires higher coverage amounts, consider a commercial umbrella liability policy.


Do you have a question about commercial insurance?

Our agents are ready to answer any of your questions.
Guardian Insurance Group is an independent insurance agency that serves customers in Tennessee, Arkansas, and Mississippi. They offer a wide range of personal and commercial insurance products, including auto, home, and business insurance.

Guardian Insurance Group is committed to providing clients with the best possible service. They have a team of experienced and knowledgeable agents who are dedicated to helping their customers find the right insurance coverage for their needs. Guardian Insurance Group also offers a variety of online resources to help their customers manage their insurance policies.

In 2022, Guardian Insurance Group was voted in the top three for Best Insurance Agency by the DeSoto Times-Tribune. This award is a testament to the hard work and dedication of the agency's team. Guardian Insurance Group has locations in Memphis, TN, Southaven, MS and Byhalia, MS and is committed to providing clients with the personalized and unique service they deserve.
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