What Type of Insurance Does My Business Need?

 

What type of insurance does my business need?

Party Rentals
General liability
Umbrella
Non owned auto
Property
Inland Marine
Commercial auto
Workers Compensation
Assault /battery

Indoor Bounce Centers
General liability
Umbrella
Non owned auto
Property
Inland Marine if property leaves premises
Commercial auto
Workers compensation

Additional coverage’s
Employee dishonesty
Sexual Abuse,/ Molestation
Assault /battery
Money inside/outside Continue reading “What Type of Insurance Does My Business Need?”

Are all insurance agents the same?

Your business insurance is sometimes handled by your local insurance agent who does your personal auto or home insurance.  Usually because you already do business with that person and you feel comfortable with that person.  This is usually not a challenge until you have a claim and find out that part or all of the loss is not covered.

Unfortunately many business owners do not understand that they probably need an insurance broker that specializes in that field to understand all the exposures that the business owner might face.  The difference from an agent and a broker is that an agent represents the company; a broker represents the business owner. Continue reading “Are all insurance agents the same?”