Understanding Insurance Claims

Worried You're At A Risk With A Bare Minimum Business Insurance Plan? Upgrade With These Coverage Options Now

Owning a business comes with a lot of expenses, but one area you don't want to pay for the minimum is the insurance. If you are currently getting by with bare minimum insurance options for your property, workers compensation and liability, security coverage and more, it's time to get serious. You want to talk with a small business insurance professional that can help you get the extra coverage you need against the following.

Extended Property Intrusion or Vandalism

Protection for the building and everything that is inside of it is a must. You want to be prepared for anything like theft, vandalism and other damages that can happen when someone targets your property.

You also want to make sure that you have the exterior of the building and the physical property covered. If someone's car gets damaged while they are work, and it's on your property, you could be liable. If someone drives on the lawn and does significant damage to the landscaping, you want to e covered. Talk with the business insurance agent about protecting every inch of property and each item with your coverage.

Online Hacking Problems

Online theft is another common problem that you need insurance coverage for. If your server or network is hacked and someone gets into your financial accounts, the accounts of your employees who use direct deposits, or they steal valuable files that are needed for your business, this could cost you a lot of money to repair. The commercial insurance professional will talk with you about the coverage options you can explore.

In the Work Place Attack

You never know when someone is going to come into the building after they are fired, they are unhappy about a disciplinary issue, or because they don't like your business and open fire or do other dangerous things. There are special policy options for this and if people end up dead or injured on your property because of an attack like this, you want to be sure that you are covered.

Contact an insurance agency, like Welsh Insurance Agency Inc., to discover what is actually covered under your current insurance policies versus the type of coverage you actually need for your business. This way you can get to the bottom of the problem right away, and then you can update your policy and eliminate worry. Compare rates and find a business insurance professional to get started.