Category: Commercial Insurance

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.

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.

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.

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!