Inside or Outside? Finding Insurance for Your Painting Business

When searching for painting insurance for your business, you may find that you’re asked to be specific about the type of painting that you do.

This isn’t meant to be a limiting line of questioning; painting insurance is simply geared towards the type of painting being done, and as a painter, you know that interior and exterior painting can be very different pursuits…they also have very different risks.

Professional House Painter Painting the Trim And Shutters of A Home.
Is your painting business covered?

 

Exterior Painting. One example of the questions you’ll be asked as you seek out a quote for painting insurance for outdoor painting is, “How high up do you go?” It should be obvious that the reason for this is that you (or an employee) can fall as far down as you go up. Risk assessment is a big part of determining the extent of your needs, and the questions you’re asked are to determine the scope of your exposures.

Step ladder and painting tools in modern room. Apartment renovation background.

Interior Painting. Any contracting done inside a home or place of business poses unique risks, and interior painting is no exception. No matter what the skill level of a painter is, accidents happen, and the surroundings they happen in can make a big difference in the type of insurance coverage you require. Whether or not you engage in mostly residential or commercial interior painting will make a difference in the painting insurance that will best suit you.

The method of painting you utilize will come up, as well; whether or not you use brushes or spray guns has an impact on the type of coverage you need.

Certain aspects of painting insurance will be the same no matter what your specific process or whether you specialize in interior or exterior work. Some standard coverages include:

  • General Liability.
  • Workers Compensation.
  • Inland Marine.
  • Commercial Auto.

Talking to an experienced insurance professional who understands your business is key. Preparing for the questions you’ll be asked (“How many employees do you have?” “What are your annual gross receipts?”) will streamline the process and help you determine which plan fits your needs.

Call us today at 1-877-907-5267 for a painting insurance quote for your business, or click here for a free, quick, competitive quote.

Get the Right Insurance for Your Photography Business

Photographer showing image on camera to client.
Is your photography business covered?

Most individuals who engage in photography as a business venture aren’t doing it out of a cold, calculated desire to make money; it’s usually a situation where a fondness for an artistic pursuit has crossed paths with a way to make a living–or at the very least, a little extra money.

While it’s the best of all worlds to be able to earn money doing something you enjoy (and are presumably good at), the ideal situation would be one where that business has the means to continue for a long time…that’s where photography insurance comes in.

Researching photography insurance isn’t as fun as planning out your next wedding shoot, or offering new parents the chance to capture their infant’s cozy first weeks at home professionally, but it is necessary if you’re accepting money for taking pictures. (And you should probably know a little bit about photography insurance even if you’re only doing it for friends, “for fun”.)

You may already have a basic photography insurance plan in place, or you might be starting a new business, and trying to figure out exactly what you need, and how much it’s going to cost. Answering those questions will require answers to other questions, such as…

  • Type of photography. Are you simply shooting quinceaneras? Contracting with magazines? Going to clients’ homes? Your photography insurance is based on the type of photography you’re doing.
  • Additional services. Do you offer videography? Drone photography? Do you provide lighting? Editing?
  • Mobile or Studio? If you have a physical studio, your photography insurance can cover the property.

If you’ve been in operation for a while, and have a current photography insurance policy, you may want to investigate other options and get a few quotes to see if you can economize. It’s always good business to make sure you’re maximizing your profits, but the best business is making sure that unplanned events don’t derail your dream. When you look at your existing photography insurance, examine the types of risks it covers, and ask yourself if you need to expand it, rather than try and whittle it down.

Photography is rewarding, but it’s also quite a carrier for risk. Whether it’s props and lighting, in a studio or on location, or the possibility of damages while in a client’s home due to negligence or simple accidents, you don’t want to lose the unique opportunity you have because an unforeseen risk wasn’t covered by an available photography insurance policy or add-on.

Call today to speak with one of our insurance professionals at 1-877-907-5267, and see what kind of photography insurance is right for your business, or click here to start the process for getting your quick, free, competitive quote.

What’s the Worst that Could Happen? The Case for Carefully Considered General Contractor Insurance

Worker fallen from ladder, sprawled on back with tools and hard hat beside them.
Make sure your General Contracting business is covered, even if the worst happens.

As a general contractor, you probably have a knack for balancing the big picture while still paying attention to detail; when it comes time to consider your general contracting insurance policy, it’s a good idea to apply that same organizing eye to your company’s risk management strategy.

Like the spectrum of construction jobs out there, insurance can be seen in terms of scale.

Someone starting out who is trying to keep costs low may opt for a basics-only insurance policy geared towards general contractors. General Liability is a coverage that protects you in the event of injury or damage to a third-party; it’s a requirement from most entities when you enter into a contract, and you’ll want to be sure that your insurance provider can readily assist you if you need to add Additional Insureds to your policy, or provide Certificates of Insurance as proof of your coverage.

If you have employees, you’ll need to be familiar with your state’s laws concerning Workers Compensation, which provides health benefits to your employees for work-related injuries. It can also prevent you from being sued in the event of such injuries, and many states require it–even if you only have one worker, you need to understand your obligations and risks. Familiarize yourself with your state’s laws, and make sure the insurance professional you hire is knowledgeable and experienced.

These policies cover the most important aspects of your general contracting business, but think of your overall risk management plan in the same terms many people think of when it comes to construction. Cost is always a consideration, but relying on a patch job or minimal repair for too long can end up being more expensive in the long run, if the situation ultimately needs more attention.

Beyond basics, here are some additional coverages that are important to make sure your general contracting business leads a long, healthy life…

  • Inland Marine. Your tools are the mainstay of your general contracting business, and insuring them could mean the difference between losing and keeping a job, if they’re damaged or stolen.
  • Commercial Auto. Using vehicles in the course of your general contracting business means opening yourself up to risk, if they’re involved in an accident or stolen. Insuring them is another facet to protecting your business.
  • Property Insurance. This is important if you have a physical location, an office, and equipment kept there. General contracting is more than simply building; it’s organizing contracts, client info, and maintaining records. Protection for your data and off-site equipment can be as important as securing your tools and vehicles.

The worst case scenario answer to the question, “What’s the worst that could happen?” regarding an event with your general contracting business, is that while some occurrences are small, and could be paid off without putting a huge hole in your budget, there is always a good chance that being underinsured could mean being seriously underprepared for a major happening with the potential to put you out of business for good.

Not every business has the same risks, but you don’t want to rely on guesswork when it comes to your livelihood.

Don’t leave your insurance coverage at the level of a “patch job”; contact us today at 1-877-907-5267 to get help crafting a risk management plan to fit your general contracting business, or click here to start the process of getting a quick, free quote within minutes.

Your Coffee Shop Needs the Right Insurance…Just Like the World Needs Your Coffee Shop!

Two people wearing aprons smiling in a coffee shop.
Make sure your coffee shop is properly insured.

Coffee shop insurance could arguably be called one of the most important types of coverage, when you consider how essential coffee–and therefore, the shops that serve it–are to society.

All joking aside, while running a coffee shop can be lucrative, there’s also a big potential for failure, as there is with any new venture. Your risk management plan should be a big part of your overall business strategy, with your coffee shop insurance policy as the underpinning.

Whether you’re operating a mobile cart, kiosk, taking over an existing shop, starting your own shop from scratch, or simply trying to streamline costs by price shopping your current coffee shop insurance, understanding some of the types of coverages and why they’re important can help you get the best value for your money.

Here are some of the basic types of business insurance coverage and why they might need to be part of your coffee shop insurance plan…

  • General Liability. Most businesses need to be covered for injuries and damages to third parties that can occur during operations. Your coffee shop insurance needs this basic coverage to protect you against claims for bodily injury and property damage by a third party.
  • Business Interruption. Things happen. If an event or events should sideline your store’s operations, your coffee shop insurance policy should be part of the provision to keep things going. Employees and landlords still need to be paid, even when disaster strikes.
  • Commercial Property. Your building, equipment, furniture, computer system, files…the actual coffee and cups are only part of what makes your coffee shop a business, and your coffee shop insurance policy needs to protect as much as it can.

Some other factors to consider when calling for a quote for your coffee shop insurance…

  • Employees. You may or may not need Worker’s Compensation if you have part or full time employees.
  • Vehicles and Transportation. Do you use vehicles for delivery? You might need Commercial Auto insurance.
  • Food Spoilage Insurance. Do you need coverage in your coffee shop insurance policy in case there’s an incident resulting in a significant loss of inventory?

There’s no doubt that running a successful coffee shop is a challenge, but your contribution to helping the world wake up and get about the business of living is important. Your coffee shop insurance could make or break your effort to caffeinate lives…be sure it’s doing everything it should!

Call us today at 1-877-907-5267 to speak with a specialist about your coffee shop insurance, or click here to start your quick, free, competitive quote.

Insurance for a Beauty Salon

Client getting hair styled at a beauty salon
Make sure your beauty salon business is properly insured.

Owning a beauty salon is challenging; you’re tasked with providing style and service to a wide range of individual tastes, and you have to manage a spectrum of diverse employee personalities to boot. Finding adequate and affordable beauty salon insurance probably seems like just one more Herculean task on your plate.

However, it’s not something you should ignore; beauty salons have unique exposures, and making sure you have the right type and amount of beauty salon insurance could be the ticket to ensuring that your business stays alive in case of an injury or incident in your salon.

The highly personal aspect of your business–services that involve clients’ hair, and often faces–means that perceived injury or damage can be intensified. A dissatisfied customer may never take it to the level of a lawsuit, but in case it happens, you want to be sure that your beauty salon insurance has a General Liability Policy in place, to assist you in covering the resulting costs.

Time is always at a premium for salon owners/operators, as well, and the perceived complexities of searching for affordable beauty salon insurance can make it easy to put off. Delaying your research can mean you run the risk of letting your current insurance renew, even if you have a feeling it isn’t adequately covering you, or it can keep you from getting the coverage you need to get your salon started.

Here are some questions to think about, before you call to get a quote…

    • Do You Have Employees or Contractors? Do you rent booth space? Have permanent part or full time employees? Your beauty salon insurance needs to provide the right kind of coverage–employee status is relevant.
    • What Services Do You Offer? Are you solely a hair salon? Do you need coverage for things like waxing or brow/eyelash services included in your beauty salon insurance policy?
    • What Kind of Equipment Does Your Salon Use? Are you seeking a beauty salon insurance policy that will cover chairs, computers, and other equipment in case of loss?

There are other considerations as well, such as your salon’s revenue, location, and whether you own or rent your building, but a quick and reasonably easy quote for beauty salon insurance is only minutes away. Call us today at 1-877-907-5267 to speak with one of our specialists about your beauty salon insurance needs, or click here to start the process of a quick, free quote.

How to Get a Better Insurance Rate for Your Business

Business owners are always trying to improve their bottom line, and finding methods to lower insurance rates for a business often tops the list of ways they go about it.

If you’re interested in paying as little as possible for your commercial insurance, there are a few key ways you can lower insurance rates for your business…

Be Less Successful. If you want to pay less for insurance, you can always make less money. One facet examined by carriers is gross annual income; if this is low, you won’t have to worry much about insurance. It may seem unfair, but if you start making more money, you’ll likely pay higher insurance rates.

Don’t Expand. Keeping an operation small keeps your costs low. If you have fewer employees–or none–you don’t have the cost of paying for insurance to cover their medical expenses in case of a work-related injury or illness, and you’ll get to enjoy doing all of the work yourself, for the life of your business, to boot.

Limit Your Options. It’s simple; clients and venues often require insurance in what may seem like high amounts; if you limit your clientele and partners to those on the small side, you can prevent having to carry larger amounts of commercial insurance, thereby lowering your insurance rates. You also don’t have to invest in higher numbers of inventory, or manpower hours, or whatever your particular business model needs as capital, if you’re shooting low.

You’ve probably figured out by now that our “suggestions” are tongue-in-cheek. However, they’re still very valid ways you can lower your insurance rates for your business because the truth is that you need insurance if you run a business, and the deeper truth is that if you want to experience real success–growth, and the benefits that come with it–you also experience the cost of that.

Author and speaker David Hyatt says that “success brings its own set of problems”, and he’s right–that truth is particularly relevant to your business insurance.

Now, let’s look at the reasons why you should celebrate the fact that you need insurance for your business–and why you need it in the amount that will help your business thrive.

Insurance Protects Your Present. Whatever your scale of operations now, if an event happens that incurs legal costs, they have to come from somewhere. It can be a payout from a robust General Liability policy, or it could be the proceeds from shutting your business down and selling it…and possibly going into debt if that’s not enough to cover incurred obligations. You may be the best in your industry, or have a product like no other, but accidents happen, and even if you’re not at fault, court costs money.

Insurance Helps Build Your Future. Having enough to cover your assets in case of accidents or negligence is important, but when you expand, so does your risk. Want those choice clients? The big venues? They likely require a little more from you in the way of insurance coverage. Even if they don’t, and you’re taking on more by doing more, the possibility of happenings that outstrip basic, bare-bones coverage increases. An Umbrella Policy to raise limits, or Workers Compensation to protect employees may give you the safeguards you need to step forward.

Risk management is an art, and our business at CommercialInsurance.net is helping you protect your business. 

So that you can grow, not just enjoy the status quo.

Call 1-877-907-5267 today to speak with one of our specialists, or click here to start the process of getting a quick, free quote.

 

Concessions Insurance

Woman buying cake from concession stand.
Make sure your concessions business is properly insured.

Events may be fun on their own, but the presence of concessions always makes them better–a concessions business is a great idea for making the most of hungry and thirsty crowds, but your concessions insurance needs to be secure before you start.

Most venues will require basic insurance (such as a General Liability policy) and proof from you before you can set up shop, but even if they don’t (and you should be curious if it’s not a requirement), you need to protect yourself from liabilities, and concessions insurance for your business is how you’ll do it.

If you’re already in the concessions business, you may wonder if your current coverage is sufficient–or available somewhere else for a more reasonable cost–and shopping your concessions insurance rate is definitely something you should do regularly, although there are certain things to consider about the price. A reasonable, experienced insurance agent will be able–and willing–to explain the particulars of your rate (or quote), but here are some things to think about when evaluating your budget for concessions insurance…

Are you stationary or mobile? If your business requires a vehicle, you need to ask about Commercial Auto.

Do you sell liquor? Laws and coverages vary depending on what types of beverages you serve..

Do you have employees? If anyone works for you, you need to understand the nuances of Workers Compensation insurance, even if it’s just to plan ahead.

Beyond the basics, options like Business Owner’s Policies and Umbrella Coverage can help you expand, by providing coverage to protect your investment as you grow.

If you’re in the market for getting concessions insurance, or curious about your current coverage, call 1-877-907-5267 to speak with one of our specialists, or click here to start the process of getting a quick, free–competitive–quote.

Providing refreshment, whether it’s at a farmers’ market, festival or game, is a great business opportunity. But the only concessions you should make are the kind you can eat or drink–don’t cut corners on your insurance, or it could cost you a chance at a lucrative company.

Insurance for a Pool Service Business

Swimming pool cleaner skimming pool with property owner standing beside them.
Make sure your pool service business is properly insured.

Helping your swimming pool service clients keep their pools in tip top shape may seem pretty straightforward, but insurance for a pool service business needs to cover all of your exposures–and there are a multitude of those–to fully protect you.

Keeping your clients’ pools safe and enjoyable requires more than just cleaning filters and pouring chemicals; if you’re conducting repairs, offering cosmetic repair services, servicing heating units or any other ancillary services, your pool service insurance plan needs to provide coverage for those risks.

It may be tempting to limit your coverage to cut costs in the present, but providing the security your pool service business needs to continue to operate–and grow in the future–should be the foundation of your business plan.

Recommended coverages for insurance for a pool service business can include (but are not limited to):

General Liability. This is a basic policy for almost any business; it protects your business against claims concerning injury or damage to a third party. It’s also call “Slip and Fall” insurance–clients may require this coverage, and it’s especially important to talk to an experienced agent since your “office” includes your client’s pool.

Workers Compensation. Whether you employ a team of skilled technicians, or simply have a family member that helps you on occasion, if you have workers, you need to understand your obligations to them. Find out your state requirements, and be sure to engage an agent that understands the intricacies of this facet of insurance for your pool service business.

Commercial Auto. The transportation that gets you from pool to pool is the lifeblood of your business, and your spa or pool service business’s insurance needs to address your vehicles. Don’t let a minor fender bender shut you down–make sure your Commercial Auto policy protects you adequately.

Inland Marine. Tools for servicing spas and pools aren’t cheap, and they’re necessary. Inland Marine is a coverage that protects you in case these tools are lost or stolen.

Even though the methods may be the same as other companies, your individual spa or pool servicing business is unique, and your clientele will be, too. Your insurance policy should be put together with that in mind, and ideally, your relationship with your insurance agent will allow for communication about future growth and gauging the expansion of your insurance accordingly, so that your business can thrive as new opportunities present themselves.

Call us today at 1-877-907-5267 to speak with one of our specialists about your business insurance needs, or click here to get a free, quick, competitive quote on insurance for your spa or pool servicing business.

Get Your Food Truck Rolling…But Don’t Leave the Insurance Behind!

Food truck owner taking orders from her customers.
Make sure your food truck business is properly insured.

A food truck can be a great business–less overhead than a restaurant, and the ability to go where the customers are–but you have to be sure your food truck insurance is in place in adequate amounts before you take off, if you want to stay in business.

It’s important to find an insurance agent who understands the particulars of food truck insurance, whether your operation is brand new, or just undergoing changes. Putting together a risk management plan that covers the basics as well as your individual needs is paramount to undergirding future success. Your budget, your goals, and your risks are all pertinent–be prepared for questions about your annual income and other specifics when you discuss food truck insurance with your agent.

Familiarizing yourself with some basic coverages can help you understand the process, and help you make choices that can protect your business…

General Liability. Also called “slip and fall” insurance, General Liability protects you in case of physical damages or injuries to third parties. Food-related injuries also fall under this coverage; if you’re sued because of food poisoning or an injury that resulted from your product, this is the policy that you would use for covering legal costs.

Commercial Auto. Not all commercial auto policies are created equal; you need a plan if your business revolves around a vehicle, and your food truck insurance needs to cover not just the actual truck, but modifications and equipment that help your business run–figuratively and literally.

Workers Compensation. If you have employees, you need to understand your state’s laws about Workers Compensation, and whether it needs to be a part of your food truck insurance policy.

Liability Umbrella. Expanding your business doesn’t just mean offering new menu items or gaining access to a new venue; it can also mean that you should consider upping your food truck insurance coverage limits with Liability Umbrella, a policy designed to cover damages when they exceed the limits of your other policies.

A food truck is a great opportunity, and the correct insurance can help make it possible for your business to enjoy a long, healthy life.

Call us today at 1-877-907-5267 to speak with one of our insurance specialists about your food truck insurance needs, or click here to start the process of a quick, free, competitive quote–great coverage is just a phone call or mouse click away.

Insurance for Your Landscaping or Lawn Care Business

landscapers working on lawn and garden
Make sure your landscaping business is properly insured.

Summer can be a great time for a landscaping or lawn care business, and that also means it’s an important season for reviewing the insurance coverage for your lawn care or landscaping business.

Whether you’re just starting a new venture, or your existing landscaping or lawn care business is kicking into high gear, understanding your risks and what the proper coverages are for protecting your assets is key in assisting your success. An important second step would be keeping your lawn care or landscaping insurance commensurate with your growth; new opportunities are exciting, and you may be tempted to think that if you have the time, tools, and manpower, you’re ready for expansion…but covering your risks before an event happens is what keeps your business functioning in case of a claim against you. Don’t let your insurance lapse or lag behind your operations.

Speaking with an experienced insurance professional who understands your business’s needs is crucial, and it’s also imperative that you answer any questions–truthfully–about what you do or don’t do in your lawn care or landscaping business, so that your insurance can truly protect you.

Having a working knowledge of some types of insurance policies that are commonly needed in landscaping or lawn care businesses might help you understand your insurance agent’s questions, and may also assist you in taking a proactive role in guiding your business’s future.

  • General Liability. This policy protects you in case of an event that could cause a third party injuries or damages. The most basic landscaping or lawn care insurance policy should contain General Liability.
  • Property Insurance. Your building (if you have one), your business equipment–these need to be protected, and included in your landscaping or lawn care insurance.
  • Inland Marine. An endorsement to your landscaping or lawn care insurance that covers the tools that make your business possible. This coverage can be crucial to keeping your business going in case they’re damaged or stolen.
  • Workers Compensation. You need to understand your obligations towards employees, even if your only worker is a friend who helps you part time. Familiarize yourself with your state’s requirements and make sure your landscaping or lawn care insurance is providing what you need in this area.

A landscaping or lawn care business can be an incredibly profitable and flexible venture…but if it isn’t properly insured, not only do you risk losing that versatile and potentially lucrative enterprise, you put your personal assets in jeopardy and run the risk of going into debt if you have a claim made against you. (Remember that claims don’t have to be valid to need defense and court costs aren’t usually cheap.)

Risk management is an art, and our business is helping you protect your business–right now, and as it grows. Call us today at 1-877-907-5267 to speak with one of our specialists about your lawn care or landscaping insurance, or click here to start the process of a quick, free, competitive quote.