What is commercial insurance?
Commercial insurance is a broad category of coverage designed for businesses and organizations. It can respond to losses involving property, liability, income interruption, vehicles, cyber events and other operational risks. A business policy is usually assembled from several coverages rather than one universal package.
什麼是商業保險？
商業保險是為企業及機構設計的一大類保障，可應對財產損失、第三方責任、營業中斷、商業車輛、網絡事件及其他經營風險。企業保單通常由多項保障組合而成，並非一種通用方案適合所有企業。
What shapes the coverage?
Insurers look at what the business does, where and how it operates, revenue, payroll, employees, property, contracts, prior losses and the limits requested. Two businesses in the same industry may still need different policies.
哪些因素影響保障？
保險公司通常會考慮企業業務性質、經營地點與方式、營業額、工資、員工人數、財產、合同要求、過往損失記錄以及所需保額。即使屬於同一行業，兩家企業的保險需求也可能不同。
A useful first step
Prepare a clear description of operations, estimated annual revenue, employee count, locations, key contracts, current insurance and renewal date. A broker can then identify which exposures require a closer look.
實用的第一步
請準備業務描述、預計年營業額、員工人數、經營地點、主要合同、現有保險及續保日期。保險經紀可據此識別需要進一步評估的風險。