commercial

How an Agent Can Help with a Commercial Insurance Audit

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No matter the type of business you own, you are investing your time, money, and hard work into building it. You deserve to have peace of mind knowing that, in situations where something happens, you have proper insurance coverage to meet your needs and keep your business on the right financial track. The only way to know if you have that protection is to invest in a commercial insurance audit.

At Options Insurance Agency, we work with a wide range of businesses to determine the best coverage combination for their needs. If you need commercial insurance in or near Hershey, PA, to meet your goals, contact us for an audit.

What Is an Audit?

A commercial insurance audit is an opportunity to take a closer look at the current insurance you have to determine if it provides enough protection without costing you too much money. During an audit, your insurance agent reviews the types of risks associated with your business based on what others in the same industry file claims for, and the risks likely present to your company as you move forward.

Your insurance should cover your assets, including real estate, equipment, and computer systems. It should also protect you from liability claims or claims made against your organization. Your coverage may also need to include professional liability or protection for specific services you offer as a contractor. During an audit, you can make sure you have enough of the right coverage for your needs. Often, this means saving money and getting better protection.

Schedule an Audit to Learn More

It is wise to speak to your insurance adjuster at least once a year to learn what your options are. Turn to Options Insurance Agency now for a commercial insurance audit to learn more. We work with those in Hershey, PA, and the surrounding areas.

Heavy-Duty Equipment Insurance Coverage for Commercial Essentials

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Does your workforce rely on heavy-duty equipment for daily operations? Expensive equipment essential to your business should be insured. Here are some ways commercial insurance coverage can protect your assets.

Protection Against Equipment Accidents

Accidents involving your equipment can lead to significant medical bills and legal fees. Liability protection can help offset these expenses, covering medical costs, attorney fees, and other charges directly related to accidents at your business.

The amount of liability coverage you choose may depend on the value of your equipment and its intended use.

Coverage for Criminal Activity

Criminal acts at your business, such as theft, vandalism, or damage to equipment, can disrupt operations and result in financial losses. Commercial insurance designed to protect against criminal activity can help safeguard your assets.

This coverage may include costs for inspecting equipment, repairing or refurbishing damaged items, and replacing stolen equipment.

Protection from Adverse Weather Conditions

Severe weather events like hurricanes or floods can pose a significant threat to your business. Commercial insurance that covers catastrophic conditions can help you avoid the financial burden of high repair or replacement costs.

This type of coverage may reimburse you for expenses related to repairing or replacing materials damaged by adverse weather.

Expert Insurance Assistance in Hershey, PA

Get the guidance you need to update your commercial insurance policy. Contact a representative at Options Insurance Agency. Our team can help you make the necessary upgrades to ensure your business is fully protected.