Commercial insurance is more than just one policy you purchase for your business. In fact, commercial insurance is a broad term that encompasses several kinds of policies business owners need. If you’re planning on starting your own business, it’s essential that you know how commercial insurance is designed around your needs and what policies make the most sense for your venture.

Here’s your guide to the various kinds of commercial insurance. When you’re ready to start acquiring policies for your business, you can come to us here at Murvay Insurance, serving Newport Beach, CA.

What Does Commercial Insurance Encompass?

You’ll likely need several commercial insurance policies to operate your business safely. While the list of all the available commercial insurance policies would be extensive, the most important and top insurance policies you’ll be investing in include:

• General liability insurance, which covers bodily injury as well as property damage (for leased/owned spaces)
• Commercial property insurance, for your physical property and contents
• Cyber liability insurance, which covers you if there’s a data breach and sensitive customer data is stolen
• Commercial auto insurance for your fleet
• Business interruption insurance, in case you have to temporarily shut down your business after a covered event
• Workers’ compensation insurance for workers injured on the job (This is legally required.)

Commercial insurance is essential if you plan on starting your own business. Keep the above in mind so you know what to shop for once you’re ready to launch your business. 

Invest in Commercial Insurance With Murvay Insurance

If you’re in Newport Beach, CA, and you’re ready to get business coverage for all aspects of your operation, contact one of ur agents at Murvay Insurance. We’re happy to help. 

Aah, the holidays! Just like the rest of the country, Newport Beach, CA transforms during the holidays. Streets explode with foot traffic, storefronts glitter late into the night, and the spirit of local business owners like you rides a seasonal high. But the truth is, beneath the sparkle hides a sharp uptick in liability exposure. Panicked holiday shoppers, packed aisles, overstretched staff, impromptu events; each adds a new layer of risk to your business.

For you, that means: more people facing more possibilities for slips, falls or even worse. Slips, trips, and unintended mishaps don’t take a holiday break. That’s why Murvay Insurance helps Newport Beach business owners double-check their commercial insurance before the season kicks into high gear.

When Crowds Surge, So Does Your Liability

Let’s break this down. Everybody loves the additional business the holidays bring, but increased foot traffic isn’t just a dream come true, it’s a liability minefield.

Reality is, trip hazards multiply. Wet floors, stacked displays, tangled cords. And it only takes one misstep for a customer to turn into the end of your business.

And that’s not even all. Seasonal hires create additional exposure. Short-term employees may not be fully trained, yet they’re representing your business during its busiest weeks. 

Still not all. Events, promotions, and pop-ups are all great for marketing. But they can quickly turn into nightmares if your coverage took a holiday break as well.

At Murvay Insurance we work with you to identify these seasonal spikes in risk and ensure your commercial insurance adapts before it’s too late.

What Smart Coverage Looks Like in December

Not all policies stretch are created the same. If you’re running extended hours, hosting events, or hiring temps, your baseline coverage will not cut it. From general liability to event-specific endorsements, flexibility matters.
We don’t believe in off-the-shelf policies. At Murvay Insurance, we help you find coverage that reflects your reality of the season: short-term chaos meets long-term consequences.

Don’t Let a Claim Break You

Your holiday success shouldn’t hinge on pure luck. The right commercial insurance strategy can help you welcome the crowds with confidence, not crossed fingers.

If you’re unsure whether your current policy can handle the holiday rush, reach out to Murvay Insurance today. Let’s make sure your season ends in celebration not litigation.