Convenience Store Insurance

Need a convenience store insurance quote?  At Commercial Insurance.NET we can help you save on your business insurance by assessing your individual needs and determining whether you would benefit from stand alone coverages or a Business Owner’s Policy package.  Some of the factors insurance agents will consider when evaluating a convenience store insurance policy include:

  • Is the building older than 25 years–or has it been recently remodeled?
  • Have the current owners have been in business for 1 year?
  • Are Gross Annual Sales are over $2,000,000?
  • What property is owned or used in the business?
  • What type of equipment and materials are within 100 feet of the building?

Convenience store insurance has many generalized aspects, and also several that will vary depending on your individual situation. For a quick, free quote from an insurance professional knowledgeable about convenience store insurance, please call 1-877-907-5267.

Business Insurance

At CommercialInsurance.net we offer many different types of business insurance packages for a wide range of businesses.  Ask your agent about bundling a General Liability policy with Commercial Property insurance for a potentially discounted option known as a Business Owner’s Policy, or BOP.

Although we service a diverse group of small, medium, and large businesses, the top 10 business insurance policies that we focus on at Commercial Insurance.NET are:

  1. Convenience Stores and Food Marts
  2. Gas Stations
  3. Restaurants
  4. Auto Repair Shops
  5. Cell Phone Stores
  6. Beauty Shop and Salon Insurance
  7. Church Insurance
  8. Strip Mall Insurance
  9. Liquor Store Insurance
  10. Physician Insurance

Call us today at 1-877-907-5267 to speak with an insurance professional about your business insurance needs.

Commercial Auto Insurance: Fleet Insurance

Commercial Auto insurance should not be neglected if you own a business that utilizes vehicles; it’s one of the most important coverages you can have.

commercial insurance quote  is quick and easy, but to certain you’re getting all the necessary coverage, make sure to give your insurance specialist the full story when it comes to the question of who is driving company vehicles.  Uninsured Motorist protection is important, and comprehensive coverage is a good idea even if you have a policy that prohibits non-employed personnel in the vehicle.  Accidents happen and you need to be protected–if it’s not covered in your insurance, you’re not covered in case of a mishap.

How many vehicles should you insure for your business?

Commercial auto insurance companies often separate coverages based on type and number of vehicles in your fleet.  It is wise to insure every vehicle; you never know when you might need the coverage and often, you can get a discount for Fleet Insurance, or Commercial Auto insurance that covers all of your company vehicles.

Call us today at  1-877-907-5267 to speak with an insurance professional about your options for Commercial Auto insurance, and whether you would benefit from Fleet Insurance.

 

 

Business Owner’s Insurance Policy

A Business Owner’s Policy–also known as a BOP–is an insurance package that combines Commercial Property insurance and General Liability coverages into one policy.  It can also come with other endorsements for small and medium size businesses that fit certain risk classes.  (Some of the factors that go into determining eligibility include annual sales and number of employees.  Commercial Property insurance covers physical assets and General Liability addresses your commercial liability for injuries and damages to a third party).

Get a quick, free quote for a Business Owner’s Policy by calling 1-877-907-5267 and speaking with one of our insurance specialists today.

Commercial Auto Insurance

There are several types of commercial auto insurance including Liability, Collision, Uninsured, Personal Insurance Protection, and Gap Insurance.

The most common type of commercial auto insurance is Liability Coverage.  Most states in the US require liability auto insurance.  Liability covers you personally when you are liable for damaging someone’s car or causing injury to a person.

Collision is another form of commercial auto insurance.  Collision insurance will cover the damage that is done to the policyholder’s car as long as the policyholder is at fault.  If another party wrecks your car, their liability pays for repairs. 

Uninsured and Underinsured coverage is required by most states and will cover you if the other party is liable and they do not have coverage.  Recent statistics indicate that one in eight motorists does not have car insurance.  

Personal Injury Protection covers medical bills and lost wages regardless of the party at fault.  This is a great benefit to offer your employees when they do a lot of driving.

Gap Insurance will cover the difference of what the car is worth and what you owe as the lessee.  Gap Commercial Auto Insurance is very important for companies who provide leased autos for their employees to drive.  What kind of damages would you incur if an employee totaled a car, van or truck in your fleet?

Commercial auto insurance is a must for any business that uses a vehicle for the owner and especially their employees.  Do you want to put your business at risk if you or one of your employees has an accident and hurts somebody?  Get a quote today by clicking on commercial auto insurance.

Travelers Commercial Insurance

There are a number of Commercial Insurance Companies a business can choose from.  Travelers Commercial Insurance offers the primary commercial insurance products such as General Liability, Umbrella Excess Liability, Commercial Property coverage, Commercial Auto and Workers Compensation.  Travelers services the following three tiers in their Business Markets:

Travelers Small Business Insurance

  • Building
  • Business
  • Condominiums
  • Manufacturing
  • Offices
  • Restaurants
  • Stores
  • Technology

Travelers Mid-sized Business

  • Educational Institutions
  • Franchised Auto & Truck Dealers
  • Hotels
  • Manufacturers
  • Retailers
  • Wholesalers & Distributors

Travelers Large Businesses

  • Manufacturers
  • Retail Businesses
  • Service Industries
  • Wholesales & Distributors

Travelers Corporate Website – www.travelers.com

Travelers Stock Quote – TRV

Click here for a Travelers Commercial Insurance Quote.

Crisis Coverage: Do You Need It?

The Swine Flu pandemic of 2009 was one example of a crisis that not only caused global concern on a personal level, as individuals strove to protect their health, but also posed problems to businesses without crisis coverage or pandemic provisions, as sickness took a toll on staffing. By the first quarter of 2010, over 59 million Americans had been infected, and 265,000 were hospitalized, according to CDC estimates.

If your business is one that is heavily dependent on personnel, you might consider adding an endorsement for crisis coverage or a pandemic to your commercial insurance.

  • Business Interruption insurance takes many forms, and while some elements of a pandemic or other crisis may be covered, this addition may not apply to interrupted workflow due to mass absences.
  • Workers Compensation coverage should always cover at least your moral obligations to employees and your state requirements, but it might be insufficient crisis coverage for something as particular as a pandemic.
  • Umbrella Coverage should be a consideration for any operation with the potential for risks that exceed basic limits; in the case of some crises, it could turn out to be a business-saving move to invest in the additional coverage it provides.

Nothing in life is certain, and a crisis like a pandemic is not always predictable, however, one thing that you need to be able to count on is the ability of your business to continue operations in case of an emergency–or at least continue to be able to pay your obligations. Crisis coverage that provides for business interruption protection should be a standard, if it’s possible that something like a pandemic could slow down or halt your productivity.

Speaking with an experienced insurance professional who understands the risks faced by businesses is crucial to ensuring that your company is protected to the extent you need in case of a crisis–don’t wait until it’s too late.

Risk management is an art, and our business at CommercialInsurance.net is helping you protect your business. Call us today at 1-877-907-5267 to speak with one of our specialists about your insurance needs and how to determine if your company needs crisis coverage.

Liberty Mutual Commercial Insurance: Responsibility

This video series by Liberty Mutual Commercial Insurance  draws an interesting comparison by making the statement, “When people do the right thing, they call it being responsible. When an insurance company does it…they call it Liberty Mutual.”

The insinuation is that insurance companies aren’t expected to be responsible, or protective of their customers, like an individual would be, and that when they are, it’s out of the norm.

It’s true that an insurance company makes money by evaluating risk, and will examine claims thoroughly before paying them. But it could be argued that by doing this, they’re actually forcing a level of consciousness on their customers that they might not have otherwise.

Knowing that engaging in certain endeavors may result in higher premiums because they involve increased risk is information that a business owner should be glad to have. Even if you’ve painted, or done construction/remodeling for years, you may not have considered some of the risks involved with particular jobs to the same depth as an individual has who is working for an insurance company, and who has the sole purpose of investigating all the things that can go wrong with a line of business.

It may seem like a pain in the neck in the short term, but being covered for a risk–and being able to pay a judgement against you because of insurance coverage, should the need arise–is something that could save your business some day.

Insurance coverage may seem like just another bill to pay, but it’s actually a relationship–one that ultimately serves the best interest of your business.

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

 

 

Progressive Commercial Insurance

Whitney from INN The Dog House is a great example of how there is no “One Size Fits All” when it comes to entrepreneurship.

This unique business model–a doggy day care–was born because, like most entrepreneurs, Whitney had a dream.

However, her dream was a little out of the ordinary; she wanted her dog to be able to go to work with her every day.

Whitney has made her dream a reality by building a business that not only serves a need in the community–care for pets–but also provides jobs. (Rewarding jobs, at that; lunch and the chance to work with animals are great perks!)

A unique company often needs a unique vehicle, and Whitney’s needs are especially singular; she needed a roomy mode of transportation that would also be safe for carrying animals. She got what she was looking for in the Volvo XC90, and found a company that could meet her insurance needs in Progressive, after shopping and comparing coverages and rates.

Whitney feels that she’s able to run a progressive business thanks in part to the coverage she gets through Progressive…click on the link below to learn more…

Progressive Commercial Insurance

Commercial Insurance Blog

This is the first post for Commercial Insurance.net. This site will be launching on 11/12/08 and will service the needs of consumers searching for Commercial Insurance

Business owners need the same type of auto coverage for use at work as they do for personal use. Some of the different forms of commercial car insurance include liability, collision, and coverage for uninsured motorists. Many business owners use the same vehicle for both business and personal driving. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the “principal insured” rather than a personal name; this will avoid confusion if you need to file a claim or a claim is filed against you.

While the major coverages are the same, a commercial auto policy differs from a personal auto policy in many respects. Your insurance agent will be able to explain the differences. Personal Umbrella Liability policies usually have an exclusion for business related liability. Double check your liability coverage on an annual basis.