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Category: Commercial Insurance

Why So Many Companies Need Cyber Insurance

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In today’s digital age, businesses increasingly rely on computer networks to operate. These networks often store vast amounts of sensitive information, making them vulnerable to cyber threats. To ensure your business is protected against potential network issues, cyber insurance is essential. This type of insurance provides valuable protection that most modern companies need. If your business uses a computer network, it’s time to consider cyber insurance. Contact us at Completely Independent Insurance Agency in Zionsville, IN to get started.

Why Sensitive Information Needs Protection

Businesses today store virtually all their sensitive data on computer networks. This includes employees’ personal information, customers’ personal data, and payment details. If this information falls into the wrong hands, it can lead to serious consequences. Cybercriminals actively seek out this data and will go to great lengths to obtain it. Cybercrime is a growing issue for businesses, and nearly every business is at risk.

The Impact of Data Leaks

A data leak can have disastrous consequences for your business. You may find yourself needing to compensate countless customers and employees, facing lawsuits, and dealing with other challenges. For many small businesses, the financial strain of a data breach can be overwhelming and even lead to closure. Cyber insurance helps mitigate these risks by covering many of the expenses associated with a data breach, providing critical financial protection.

Get Cyber Insurance Today

Cyber insurance is becoming increasingly necessary for businesses of all sizes. If your business relies on a computer network, it’s time to explore this type of commercial insurance. Contact us at Completely Independent Insurance Agency in Zionsville, IN to learn more and find the right policy for your needs.

Does My Small Business Need Commercial and Commercial Vehicle Insurance?

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Small business owners face various risks and have legal and contractual obligations that necessitate commercial insurance for adequate protection. Regrettably, some small business owners unknowingly expose themselves to significant risk by depending on their personal auto insurance coverage for their business vehicle use. To avoid such an expensive error, allow the Completely Independent Insurance Agency team in Zionsville, IN, to create a commercial and commercial vehicle insurance plan tailored to your business.

Understanding Commercial and Commercial Vehicle Insurance

Small businesses are diverse in nature, and their commercial insurance needs vary based on their industry, legal structure, employee presence, and vehicle use. While many small business owners purchase liability, property, and workers’ compensation coverage, they may not acquire commercial vehicle insurance, assuming their personal auto policy provides the necessary protection. This decision can have significant repercussions for their business.

A business owner’s personal policy does not cover vehicles owned or leased by the business. Similarly, the personal policy will not cover a vehicle the owner or an employee uses for business purposes, including when transporting a client or employee to lunch or a business meeting. Transporting tools or delivering products to clients or work locations also constitutes business vehicle use that requires commercial vehicle coverage.

Personal vehicle insurance liability limits are generally lower than those for commercial vehicle policies. So, even if your insurance company unknowingly accepts some business claims, they may investigate higher-value claims and reject them when you most need them.

Partnering with Completely Independent Insurance Agency

Completely Independent Insurance Agency proudly serves the small business community in Zionsville, IN. Our commercial insurance expertise will help guide your business planning, so stop by today or call (800) 632-3102 to schedule an appointment.

Common Workplace Injuries and How to Prevent Them

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As a business owner, one of your key responsibilities is to secure commercial insurance. This includes various types such as liability insurance, property insurance, and employee health insurance. If you’re based in Zionsville, IN, and have questions about the types of insurance your business may require, our team at Completely Independent Insurance Agency is here to help. We’ve been building our reputation as an independent agency since 2021.

Common Workplace Injuries and Their Prevention

Another responsibility you have towards your employees is to provide workers’ compensation insurance. This coverage protects your company if an employee gets injured on the job, as it covers their medical expenses and replaces part of their salary if they need to miss work. Many companies conduct annual educational sessions about workplace safety, covering the most common workplace injuries and ways to prevent them.

According to Safety by Design, slips and falls are the most common workplace injuries. Many of these can be prevented by workers wearing appropriate footwear and using guardrails. Certain industries also expose their employees to hazardous substances. While employers are responsible for ensuring proper ventilation, employees must wear the personal protective equipment specified in their company’s policy and procedures manual.

Contact Us Today for a Consultation

Whether your business is new or expanding, your insurance needs may be a concern. Our staff at Completely Independent Insurance Agency has the expertise to help you decide which changes you need to make in your insurance portfolio. Companies in the Zionsville, IN area can trust us with their insurance needs. Give us a call today, and let’s discuss your insurance options.

Protecting Companies from Risk is a Top Priority for Every Business

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People choose insurance to protect themselves during unexpected events like accidents or fires. However, what’s seen as adequate coverage can be subjective and may lead to underinsurance. To address these quandaries, customers in and around Zionsville, IN, approach the experienced team at Completely Independent Insurance Agency for their commercial insurance needs.

A Common Priority

Protecting their ventures is a top priority for every business owner, from massive conglomerates to single-owner corner shops and all sizes in between. The good news is that commercial insurance offers peace of mind and, more importantly, the protection business owners need. That’s why they choose to work with knowledgeable and professional agents to secure the commercial insurance solutions needed to safeguard their companies.

While not every business faces the same concerns or risks, every business can benefit from commercial insurance protection. Business owners face many challenging decisions, but opting to protect their companies isn’t one of them.

Custom Commercial Insurance Solutions in Zionsville, IN

If you’re a business owner in Zionsville, IN, who wants to explore more about commercial insurance options or seeks protection for your company, we at Completely Independent Insurance Agency can assist. Every business confronts risks, and potentially, every business can be a target for would-be criminals. Thankfully, commercial insurance can mitigate those risks and protect companies from potential losses, damaged property, and more. Contact us today to learn more and arrange an appointment for the protection business owners require and deserve today at Completely Independent Insurance Agency.

Commercial Insurance and What It Means for Your Business

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If you own a business, commercial insurance is essential. The reasoning behind this is simply Murphy’s Law. Anything that can go wrong, will go wrong. Unforeseen circumstances occur. Commercial insurance prevents these instances from becoming as severe as possible. Accidents, fires, thefts, and lawsuits do not have to be the end of your business, especially when you’re insured against them. When you secure a commercial insurance policy, you support your business by providing protection against all covered losses, such as bodily injury, personal damage, or professional errors.

How It Works

Essentially, commercial insurance provides coverage for a plethora of unexpected events that could potentially harm your business. For instance, if company equipment is stolen or a fire occurs, the losses can be recouped by filing a claim with the insurance company. This claim will be thoroughly investigated to determine the cost of damages. If these costs fall within the policy limit, you will receive financial support to repair or replace what has been lost, allowing you to get your business back on track.

Remember, having an experienced insurance agent working with you is crucial to ensure that you have the right policy tailored to your specific business needs. The coverage amount and the particular events that are covered all depend on the unique features of your insurance policy.

Completely Independent Insurance Agency Serving Zionsville, IN

If you are located in the Zionsville, IN, area and need commercial insurance, please get in touch with the Completely Independent Insurance Agency. Our experienced and exceptional agents will go above and beyond to help you obtain the policy suitable for your needs.

Key Things to Know about Commercial Cyber Insurance

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Computers are so integrated into our businesses today that it is difficult to imagine doing the job without them. Computers allow us to connect with people next door and around the globe. While that interconnectedness has many benefits, it also brings risks in the form of cybercrimes that could derail your business. If you live in or near Zionsville, IN and want to discuss protecting your company against the financial effects of cybercrime, our team at Completely Independent Insurance Agency is here to serve you.

What is Cyber Insurance and How Does It Help?

Commercial cybercrime involves using computers to steal information or keep a business from using its data and computers to conduct its business. Some cybercrimes involve information theft, and others attempt to hold companies for ransom.

Cyber insurance offers protection against the effects of these crimes by covering three types of losses:

  • First-party: Reimburses your direct losses, such as the cost to assess an attack and inform clients their data was stolen, as well as lost revenues and potential ransomware payments.
  • Third-party/cyber liability: Covers customer or supplier settlements, attorney fees, and losses when an attack on your business harms them.
  • Errors and omissions: Often technology-focused, this covers losses others suffer when your products or services include faulty logic or code.

Insurance companies often require businesses to take preventive measures or use specific security practices to qualify for commercial cyber insurance. Others discount the premiums based on the depth and breadth of steps taken.

Working with Completely Independent Insurance Agency

Completely Independent Insurance Agency handles the business and personal insurance needs of people in the Zionsville, IN area. Call us today to discuss how we can help protect your company and personal assets.

Why You Need Commercial Liability Insurance for Your Business

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Every business in Zionsville, IN comes with risks of one type or another. At Completely Independent Insurance Agency, we want you to understand the potential risks that come with operating a business of any size and why you need the right type of liability coverage to protect both yourself and your business.

What Is Commercial Liability Insurance?

Commercial or business liability insurance protects your business from financial loss if the business holds liability for damages or injuries caused by its services, employees, or connected third parties. For some businesses, commercial liability can become a legal necessity. But it’s good to have this type of coverage even if you don’t or think you don’t need it.

What Makes Commercial Liability Insurance a Necessity for Your Business?

You may have legal and compliance considerations that dictate the type of commercial insurance you need. Beyond those considerations, commercial liability makes sense for those who want to have financial protections in place if an accident happens or someone claims they suffered an injury from or because of your business.

If someone slips and falls on your property where you carry out your business activities, that person can sue, and you may have to pay the full costs of their medical treatments. These sorts of things apply even if you’re a sole proprietor or just running a relatively small business out of your garage.

Even in a frivolous situation, the cost of the legal fight alone can damage a business and its reputation. Commercial liability insurance can help with payments, settlements, defense, and various other financial hurdles.

Is Commercial Liability Insurance All a Business Needs?

While you should consider commercial liability insurance as a necessity for your Zionsville, IN business, we at Completely Independent Insurance Agency can help you figure out what other protections your business might need. You may need a custom business insurance solution or options that cover various other aspects of your business. For questions or more information about commercial liability insurance or other types of commercial insurance, contact us today.

Protection You Didn’t Know You Needed as a Contractor

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As a general contractor, your daily work involves risk. You prepare for that risk with safety measures. Your contracting business deserves the same protection! Completely Independent Insurance Agency is here to serve Zionsville, IN area business owners with all their insurance needs. 

You can protect your business with a few steps:

Plan for emergencies.

Emergencies happen every day. The best way to deal with them is to plan for emergencies on your worksites and train your employees to respond. Employees should have a clear emergency plan to follow in case of fire, earthquake, flood, or other disaster.

Provide safety equipment.

Injuries on the job can be devastating and costly to you, your employee, and your business. Hard hats should be provided for all employees at construction sites and employees that use heavy machinery or specialty equipment should have gloves, goggles, and any other recommended items. 

Secure valuables.

Unfortunately, theft is an everyday occurrence no matter where you live or work. Encourage your employees to secure valuables such as wallets, electronics, and jewelry in a safe place like their vehicle, or provide a locker and lock for employee belongings.

Reach Out To Us

Sometimes, despite our best efforts, disaster strikes. That’s where insurance products come in to protect you, your employees, and your business. There are several types of insurance that may be beneficial to your business. These can include builder’s risk insurance, commercial auto insurance, and business property & liability insurance. Some types of insurance are required for any business by Indiana law, such as worker’s compensation.

Just like you and your employees use the right tools for every job, Completely Independent Insurance Agency in Zionsville, IN has the right tools for the job when it comes to protecting your small business interests. Contact us today for more information on how we can help you protect your most valuable asset: your contracting business!