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2 months ago · by · Comments Off on KNOW THE DIFFERENT TYPES OF BUSINESS INSURANCE

KNOW THE DIFFERENT TYPES OF BUSINESS INSURANCE

Here are some common business insurance policies and what they cover-

  • GENERAL LIABILITY INSURANCE covers liability lawsuits over third-party injuries, third-party property damage, or advertising injuries like defamation or copyright infringement.
  • BUSINESS OWNER’S POLICY (BOP) combines general liability insurance with commercial property insurance -usually at a lower cost than when purchased separately.
  • WORKERS’ COMPENSATION INSURANCE will pay medical expenses and lost wages for work-related injuries or illnesses. Coverage usually includes employer’s liability insurance that protects against employee lawsuits over negligence.
  • COMMERCIAL AUTO INSURANCE covers medical expenses, property damage, and legal bills if your business vehicle causes an accident.
  • COMMERCIAL PROPERTY INSURACE pays to repair or replace stolen, lost, or damaged business property, including your office or workspace, inventory, equipment and furnishings.
  • BUSINESS INTERRUPTION INSURANCE may be included in a BOP or commercial property policy and covers operating costs if your business is forced to temporarily close due to a storm, fire or other event.
  • PROFESSIONAL LIABILITY INSURANCE also known as Errors and Omissions insurance (E&O), covers lawsuits over work mistakes, oversights and negligence.

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2 months ago · by · Comments Off on TAKE THESE STEPS TO REDUCE YOUR RISK AND KEEP YOUR PREMIUMS DOWN

TAKE THESE STEPS TO REDUCE YOUR RISK AND KEEP YOUR PREMIUMS DOWN

Here is a list of things you can do to reduce risk, reduce chances of having a claim and save on your insurance premiums.

  • Ensure you don’t allow your insurance to lapse. Breaks in coverage can cause your premiums to increase.
  • Install fire suppression systems and security alarms. Install a motion-detector alarm. These may reduce your commercial property insurance costs.
  • Install a UL-approved smoke detector on each floor and a carbon monoxide detector. Replace the batteries yearly.
  • Install a UL-approved dry-chemical fire extinguisher in the kitchen for grease fires. Check it periodically to make sure it’s fully charged.
  • Install dead-bolt locks on all access doors. Change your locks immediately if your keys are ever stolen.
  • Create a safe work environment. This can reduce the chances of an on-the-job injury and fewer claims means lower workers’ compensation premiums.
  • Keep walkways clear and safe.
  • Avoid having employees with poor driving records operate your business vehicles. Drivers with a good driving history will help keep rates lower.

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4 years ago · by · Comments Off on Types of Commercial Insurance

Types of Commercial Insurance

In order to give you a better understanding…

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What is Workers Compensation?

Workers Compensation is a type of insurance that provides wage replacement and medical benefits to employees injured while at work. The premium is based on payroll and paid in quarterly payments. By having this coverage, the employee’s right to sue for negligence is relinquished and therefore gives the policy holder peace of mind in case the worst should happen.

 

What is Equipment Coverage?

There is a misconception that general liability or commercial auto insurance will cover damaged or stolen tools, however a seperate policy is needed in order to keep your tools and equipment safe. The amount of coverage you need is based on the tool/equipment value. If the equipment or tool is worth more than $500, you will need to list the individual item on the policy otherwise, it is a bulk value for all of your hand tools and equipment.

 

What is an umbrella policy?

An umbrella policy basically covers what your primary insurance does not. If your primary insurance doesn’t have enough coverage to cover something, the umbrella policy will take up the slack.Think of it as an actual umbrella over your other insurances; if it rains you will not get wet. Umbrella policies can go over both personal and commercial policies. Underwriting may sometimes require you to have the maximum insurance coverages on your primary in order to be covered by an umbrella.

For an even better understanding and to make sure you are properly covered, give John Wycoff a call!

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4 years ago · by · Comments Off on Flash Floods

Flash Floods

Rain is still in the forecast – but even if it’s gone, the risk for flood or high water is still there. Be on the alert for high water. Don’t drive or walk into moving water. Only inches can sweep you away. Remember to stay safe out there! 

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Texas Commercial Liability Services
John Wycoff

615 E Abram St Suite C
Arlington, TX 76010

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