Business & Commercial Insurance


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Business & Commercial Insurance Information

 

Small Business Insurance Specialists

Insurance is not just a luxury that large companies need. It is, in fact, in many ways more important to the small business owner because of the close relationship between business and personal assets. At Choice One, we understanding the needs of small businesses, after all, we are one! So we also know that what you do best is make sure your business is running smoothly; whether that is keeping trucks on the road, products on the shelves, or customers in the door. We focus on protecting you from risks so you don’t have to.

Some business operations are regulated and have financial responsibility requirements, we can help you find coverage what satisfies these requirements. We can also assist you in evaluating your exposure and minimizing the impact that a loss will have on your operations and your bottom line.

The impact of a loss on a business and the owner can be devastating and you could be affected in several ways, from legal complications to financial devastation. Ensure that you have adequate insurance to protect your investment and your livelihood.



Business Auto Insurance
 
As a business owner, you need the same kinds of insurance coverage for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (also known as personal injury protection) and coverage for uninsured motorists. In fact, many business people use the same vehicle in their business and personal life. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the named insured rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether or not you need to buy a business auto insurance policy will depend on the use of your auto and not on the type of vehicle driven. A good insurance agent will ask detailed questions how you use vehicles in your business, who will be driving, and whether employees are likely to be driving their own cars for your business.

While the major coverage is the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent to explain all the differences and options.


General Liability

Many of us who make additional money outside of our regular employment do not realize that we are actually business owners. Homeowner’s policies exclude any business or occupation related accidents from coverage. Unfortunately for every business owner, the chances of being sued have dramatically increased in the last decade1. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing protection in case your business is ever sued or held legally responsible for injury or damage.

The majority of small businesses would benefit the best from a Business Owner Policy (BOP) that provides preselected coverage and can be modified to suit your specific needs. Coverage may include general liability, business auto, business property (buildings and contents), tools and merchandise, business interruptions and extra expenses, and workers compensation.

For larger or more complex business operations, these options are better suited as stand-alone policies.



1 - Source : 
Fulbright & Jaworski LLP 2012 Litigation Trends Survey

 














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 Licensed in: OR, WA, ID, NV, SC, NC, GA. CA license # 0I29732, Choice One Insurance Agency