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At Storey Insurance, we help Senatobia, MS businesses protect their financial security with commercial insurance. In this blog, we address the types of commercial insurance coverage that many companies need but that they do not think about purchasing.
An Immense Variety of Commercial Coverage
Because businesses vary vastly in their needs, commercial insurance evolved to offer many coverage options. Ideally, a business owner sits down with an insurance agent to determine the necessary coverage and then undergoes a policy review annually to account for business changes and growth. During these meetings, we’ve noticed a few coverage types that business owners don’t realize they need out of the more than twenty-five coverage options available.
Commercial Auto Insurance
As businesses grow, their owners often purchase a vehicle devoted to the company. Although they drive this business vehicle only for work, they don’t realize it requires commercial auto coverage. A company needs to add commercial autos as soon as it purchases its first fleet vehicle, not once it owns many fleet vehicles. Although any company with a car needs this coverage, common business types include restaurants that deliver food, catering businesses, construction contractors, plumbers, and electricians.
Glass Insurance
Glass coverage applies to plate glass windows, mirrors, and safety glass. Some clients assume that these items earn protection from the structural coverage on their building, but that covers the foundation, walls, framing, and roof, not the glass. The most common businesses needing this include dance studios, retail shops, and office complexes.
Cyber Liability Coverage
Even businesses that do brisk business online sometimes neglect to tell their insurance agent that fact. They don’t know about cyber liability coverage and how it differs from general liability. As long as a business has a website and communicates online with clients, it needs cyber liability coverage to protect it from financial loss if its website or client database gets hacked.
Contact Storey Insurance Today
Don’t miss out on the commercial insurance your Senatobia, MS business needs. Contact Storey Insurance for an insurance review and update your commercial policy.