3103 Breckenridge Ln
Louisville, KY 40220
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The Palacio Miller Family of agencies -
Proudly Serving a five-state area!

Commercial Insurance 101: Protecting Your Business and Employees

As a business owner, you have a lot on your plate. From managing finances to overseeing operations, there are countless responsibilities to handle. But one thing you should never overlook is protecting your business and employees with commercial insurance.

At Palacio Miller Agency, we understand that choosing the right insurance coverage can be overwhelming. That’s why we’ve put together this guide to help you understand the different types of commercial insurance and their benefits.

1. General Liability Insurance:

General liability insurance is essential for any business, regardless of its size or industry. This type of coverage protects your business from lawsuits due to property damage, bodily injury, or advertising injury. General liability insurance can cover legal fees, medical expenses, and settlements, allowing you to focus on running your business.

2. Workers’ Compensation:

Insurance Workers’ compensation insurance provides benefits to employees who are injured on the job. This type of coverage can help cover medical expenses, lost wages, and rehabilitation costs. By providing workers’ compensation insurance, you can show your employees that you care about their well-being and create a safer work environment.

3. Property Insurance:

Property insurance protects your business from damage or loss to your physical assets, such as buildings, equipment, and inventory. This type of coverage can also include business interruption insurance, which can help cover lost income due to unexpected events like fires, floods, or theft.

4. Professional Liability Insurance:

Professional liability insurance, also known as errors and omissions insurance, protects businesses that provide professional services from claims of negligence, errors, or omissions. This type of coverage can help cover legal fees, settlements, and other costs associated with lawsuits.

5. Commercial Auto Insurance:

If your business owns or operates any vehicles, commercial auto insurance is a must. This type of coverage can help cover damages or injuries caused by accidents involving your business’s vehicles. It can also provide protection for theft, vandalism, or other types of damage.

At Palacio Miller Agency, we understand that every business is unique. That’s why we offer customizable insurance packages to meet your specific needs. Our experienced agents can help you determine the right coverage for your business, so you can protect your investment and your employees.

Don’t wait until it’s too late to protect your business and employees. Contact Palacio Miller Agency today to learn more about our commercial insurance options.


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

  4. We offer friendly customer service!

  5. You have 24-hour access to your policy info!


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