Commercial Auto & Property
As a business owner, protecting yourself with workers’ compensation or basic liability insurance isn’t always enough. What if there is a fire in the building where your company operates? Are you protected if there is an auto accident involving one of your delivery trucks? Would you be compensated for inventory that was lost or stolen while in transport? Have you considered what would happen if your customers’ personal information was stolen by hackers?
Every business is different, and identifying the risks that your company faces is the first step in staying protected.
Commercial Property Insurance
The equipment that keeps your business running is just as important as the building your company operates in. Fire, theft or vandalism can bring your daily operations to a screeching halt, resulting in lost income and the high cost of replacing lost or damaged items. If you own the building where you operate, you need a comprehensive plan that protects its physical structure, and if you rent or lease space, you need to make sure that everything inside—including the computers, inventory, equipment and furniture—is protected with commercial property coverage.
Commercial Auto Insurance
Much like your personal car insurance, a commercial auto policy safeguards you when you are driving for business purposes. Your personal policy will not cover an accident that occurs while you’re on company time or doing company business, so consider a commercial auto policy with liability, collision, personal injury and uninsured motorist coverage. Whether your business utilizes one company car or an entire fleet of trucks, taxis or limousines, be sure they are protected. Remember that if you are driving your personal automobile as part of a rideshare service like Lyft or Uber, your personal policy won’t suffice; you need supplemental coverage. Visit our personal auto page for more information on ridesharing.
Inland Marine Insurance
With commercial property and auto insurance, you’ve protected your physical assets and the vehicles used to transport them; however, protecting those goods as they are being transported is another issue. Did you know that California loses approximately $1 million per day from cargo theft?* An inland marine policy can keep you from becoming part of that statistic.
Technology is a beautiful thing, but it also presents a unique set of risks. A cyber insurance policy protects against cyber theft and other technology-based breaches. Protecting your virtual infrastructure and the information of your clients and customers from cyber-crime is a vital component of sound business coverage.
At Insurance Solutions, we are experts in identifying coverage gaps that may leave you vulnerable and can create an insurance package that is truly built to protect your best interests. Contact us today for a quote by filling out the form on this page or by calling 800-969-8082.
*NBC Nightly News; March 10, 2016