Business insurance helps companies manage financial risks arising from covered liability claims, property losses, workplace injuries, vehicle accidents, and other exposures.
Shamas Insurance helps Albuquerque and New Mexico business owners discuss their business exposures based on the information you provide and evaluate commercial insurance options that fit their needs.
You Built a Business.
What Could Stop It?
A customer gets hurt.
A fire damages equipment.
An employee is injured.
A company vehicle causes an accident.
A storm damages the building.
A lawsuit arrives.
Your insurance program should begin with those possibilities—not with a generic quote form.
Commercial Insurance We Can Help You Evaluate
General Liability Insurance
Protection for certain covered third-party bodily injury, property damage and other liability claims.
Commercial Property Insurance
Coverage for qualifying buildings, equipment, inventory and other business property.
Commercial Auto Insurance
Vehicle-related insurance designed for qualifying business automobiles and commercial driving exposures.
Workers' Compensation Insurance
Coverage addressing qualifying work-related employee injuries and illnesses according to state law and policy terms.
Business Owners Policy
A packaged solution that can combine several common coverages for qualifying small and midsize businesses.
What Business Insurance Does My Company Need?
That depends on what the company actually does.
We want to understand:
- Who are your customers?
- Do customers visit your premises?
- Do employees work away from your premises?
- Do you own or lease a building?
- What equipment do you rely on?
- Do employees drive?
- Do contracts require particular limits?
- Could one loss interrupt your revenue?
Those answers shape the insurance discussion.
Business Insurance Is Not One Policy.
A restaurant has different exposures from an accountant.
A contractor is different from a retailer.
A landlord is different from a technology company.
A five-person operation can be different from a fifty-person operation in the same industry.
Cookie-cutter insurance makes little sense for businesses that aren't cookie-cutter.
Why Work With Shamas Insurance?
Because the question isn't simply:
“Who has the cheapest business insurance?”
It is:
“What could seriously hurt this company, and what are we doing about it?”