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Archive for November, 2009

Beauty Shop and Salon Insurance

Tuesday, November 24th, 2009

Beauty Shop and Salon owner / operators should talk to an agent about a business owners policy to cover their business.  Commercial Insurance can design a salon insurance package for hair salons, barber shops, day spas, nail salons, tanning salons and more.  Business Insurance plans can be designed to cover business property, general liability and more.  A salon insurance package for a beauty shop and/or salon should at least cover all property, equipment and protect the owner from small and major disasters such as fire or sewer / drain backup.  There are many other points to consider so if you are interested in a salon or beauty shop insurance quote please go the home page located at CommercialInsurance.NET.

Cell Phone Store Insurance

Monday, November 23rd, 2009

Cell Phone Store owners should consider a number of business insurance policies to protect their store.  Each store owner should talk to their agent about a business owners policy that will cover general and property insurance.  Basic policies such as workers compensation and commercial auto will be required if the store has employees and/or vehicles .  Other liabilities that need to be considered for cell phone store insurance include;

Burglary and robbery insurance which will pay for loss of merchandise.

Money Insurance for loss of cash or payroll mishaps.

Accidental Breakage will cover signage due to vandalism.

Inland Transit policies should be enabled if the cell phone store ships merchandise and will cover damaged goods in transit.

Tenant Liability will protect the cell phone store from property damage and bodily injury claims that occur on site.

Retail Store Product Liability should be considered to protect the cell phone store against handling, use of articles manufactured or distributed by the cell phone store.

The above are a couple of points that need to be considered when looking for Cell Phone Store Insurance.  Contact an agent at Commercial Insurance to request a package that is designed to protect your cell phone store.

Auto Repair Shop Insurance

Friday, November 20th, 2009

Yesterday we touched on restaurant insurance, which requires some of the basic policies that all businesses need such as workers compensation and general liability.  In today’s series we will be discussing auto repair shop insurance. 

If you own an auto repair shop you should look into a business owners insurance policy and ask your agent to design an auto repair shop insurance package.  As an auto repair business owner you will need coverage for your tools, equipment and employees.  Equipment such as lifts and compressors should have protection for replacement costs so that if a disaster happens you can get your equipment replaced and focus on making money again.  If you offer towing you will need commercial auto insurance for your tow trucks.  Your business owners policy will help with general and property insurance.  Additional coverage mentioned above can be added into your package.  Please contact CommercialInsurance.NET if you would like an estimate or have questions on how to protect your business.

In tomorrows series we will be touching on the basics of insurance for cell phone stores.

Restaurant Insurance

Thursday, November 19th, 2009

Are you looking for restaurant insurance?  In today’s series we will be talking about restaurant insurance and why it is important to protect yourself against liability lawsuits and broken equipment.  Restaurant owners should ask their agents to help them with property insurance to protect their restaurant from fires.  They will need liquor liability insurance in most states that require a license to carry liquor.  If the restaurant owner has company vehicles they will need commercial auto insurance.  Of course all businesses should and are likely to be required to carry workers compensation in case an employee is hurt on the job.  Your insurance agent should consult you with all of these policy types.  If you would like a competitive restaurant insurance quote please fill out our form or call 877-907-5267.

In the next series we will be discussing auto repair shop insurance.

Gas Station Insurance

Wednesday, November 18th, 2009

Find a gas station insurance quote at Commercial Insurance.NET.  Running a gas station comes with a lot of liability and many states require gas station owners to carry different types of business insurance to cover these liabilities.  Each state requires permits to store and sell gas.  To obtain these permits you will need some form of gas station insurance.  If your business also doubles as a quick mart you will need to double up with convenience store insurance, which we talked out in our previous post.  More services typically require different bundled policies.  Fill out a commercial insurance quote on our home page to get a free estimate on what you need as a business owner.

Convenience Store Insurance

Tuesday, November 17th, 2009

Are you looking for a convenience store insurance quote?  At Commercial Insurance.NET we can help you save on your business insurance package.  Some of the requirements insurance agents can look for when evaluating a convenience store insurance policy include;

  • Buildings that are 25 years old or less unless they have been remodeled
  • Current owners have been in business for 1 year
  • Gross Annual Sales are over $2,000,000
  • Property you own or use in business
  • Equipment and materials within 100 feet of building including computers

The above is a summary of convenience store insurance.  If you are interested in a quote please go to the home page of Commercial Insurance .NET.

Business Insurance

Tuesday, November 17th, 2009

So this is the first post in our Business Insurance series.  There are many different types of packages you can request from your insurance agent for your business.  Ask your agent about bundling your general liability with property insurance also known as a business owners policy and you will likely get some sort of discount.  The top 10 business insurance policies that we focus on at Commercial Insurance.NET are as follows;

  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

During the next series on Business Insurance we will be discussing options for Convenience Store Insurance.

Types of Commercial Auto Insurance - Fleet Insurance

Tuesday, November 10th, 2009

Small business should never over look commercial auto insurance as it is one of the most important aspects of the business.  If your business uses a vehicle or even a fleet of vehicles you should contact your insurance specialist or go to our home page and request a commercial insurance quote.  Make sure to give your insurance specialist the full story of who is driving vehicles.  It is wise to always carry uninsured motorist protection even if you have a policy for workers to not let anybody drive or ride in the vehicle.  Accidents happen and you need to be protected. 

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 as you never know when you will need the protection and you are likely going to get a discount for fleet insurance.