Category: Commercial Lines

Commercial Insurance

Commercial Insurance

Office Risk Insurance

An office-based business may seem like a low-risk space for employees and your company. In many cases, an office-based company may even provide opportunities for some staff to work remotely. There are good reasons to consider office risk insurance for your retail, sales, or administration office, however. 


Office Risk Insurance: What Do I Need?

1. Employer’s Liability Insurance

Most employers are required to have employer’s liability insurance to protect the business in the event of injury. This coverage provides the protection needed for employees and business associates in the office. In the event there is a claim, the legal costs may be high. This insurance will help cover a significant portion of these expenses so that your business operations may continue with little or no disruption.

2. Coverage for Clients and Guests

What happens if a guest or client on-site is injured in your office or experiences a similar incident and files a claim? If your office is responsible for the injury, then the injured party will be entitled to compensation. An office insurance policy will ensure you get the assistance you need to cover any costs related to claims and legal advice needed. These expenses include compensation awarded by the courts and legal support.

3. Protection for Office Contents

When you assess the value of your office’s contents, you’ll find they have more worth and importance than expected. Your office’s assets include technology, computer equipment, furniture, and inventory. If any items are damaged or stolen, the cost of replacing printers, computer systems, and other items can be high. Insurance coverage can provide the financial backup needed to purchase new inventory and office equipment to ensure operations continue.

4. Professional Indemnity Coverage

Professional indemnity coverage protects intellectual property and sensitive data that may contain financial records, client details, and other confidential information. Suppose any data is lost due to damaged equipment or electronic storage, resulting in a claim against your company? In that case, this insurance will handle meeting some or all of the costs associated with the claim while sustaining client relationships and preventing further legal action.

5. Business Continuity

When your office or retail space encounters an unexpected disaster or damage, you’ll want to ensure that operations continue during the restoration process. A pause in business can impact your company’s revenue, and you’ll need a temporary location as an option to keep the flow of clients and business on schedule and prevent further losses. Contingency planning works well with the right insurance coverage.

Investing in insurance coverage is a vital part of running a successful business. When you include all the protection, you need to continue operations, and you’ll have the best protection for your employees and maintain positive, continuous relationships with clients. Contact ISU Armac Insurance Services to inquire about our insurance policies and find out how to provide you with the best coverage for your office-based business.

Office Risk Insurance

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Retail Insurance

why you need retail insurance

Retail Insurance

Retail insurance is usually a combination of policies designed to protect retail owners against the risks that often come with selling merchandise. Whether you have a brick-and-mortar store or operate exclusively online, protecting yourself from potential liability makes a lot of sense. 


Why Retailers Need to be Insured

As a retailer, you interact with the public every day, which can expose you to unique risks from a variety of angles. Whether you are faced with property damage, inventory theft, equipment failure, or other unforeseen circumstances, having the right insurance plan in place can go a long way towards protecting you, your merchandise, and your overall investment.
 

What Does Retail Insurance Usually Cover? 

This type of insurance usually includes several policies. This can vary depending on your insurance provider and on the scope of coverage you feel you need, but generally, a retail package will include the following:

General Liability Insurance 

Also called “slip-and-fall insurance,” this policy is important to have if you offer an in-person shopping experience. If a customer injures themself in your store, this will protect you against claims of third-party bodily injury (including payment of any medical expenses incurred by the injured party). This will also protect you against claims of false advertising.

Property Insurance

If you operate out of a bricks-and-mortar location (even if it’s just your own house), the need for this type of insurance is self-evident. It not only protects your building but also your inventory from events such as fire, flooding, or theft. For those retailers selling products directly from home, they are often surprised to find there is much that their homeowner’s insurance does not cover them for.

Product Liability Insurance

Whether you operate online or in person, this type of coverage is absolutely essential for anyone who sells a product. It will cover legal expenses following a claim of bodily injury or third-party property damage that was caused by a product you sell, manufacture, or distribute. It will also cover the medical expenses incurred by a customer who claims they were injured or made ill by your product.

Cyber Liability Insurance

Even if you are not selling from an online platform, any retailer who has a point-of-sale system or a loyalty program that stores customer data needs to have this type of insurance. It will protect you against any damages associated with cybercrime, which is exponentially on the rise.

Special Considerations for Online Retail and E-commerce

With more and more businesses existing exclusively online, there are some retailers who think that perhaps they don’t need insurance. This couldn’t be further from the truth. Your inventory still needs to be protected, and you may be at greater risk for cyber fraud than retailers who are dealing with customers face-to-face.
 
In many cases, online retailers are not seeing the products they sell up close before they get shipped, meaning there is a higher likelihood of not catching defective workmanship or other issues that could spark a lawsuit.

To learn more about your options for retail or other types of business insurance, contact us today at ISU Armac

retail insurance

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Dealership Insurance

Dealership Insurance

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Dental Office Insurance

Dental Office Insurance

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Landscape Services Insurance

Landscape Services Insurance

With more and more people outsourcing home maintenance, landscaping businesses are more profitable than ever. But with increased profit comes increased risk. If you run a company that takes care of people’s lawns and gardens, you need to take out landscape services insurance to protect your business from lawsuits related to accidents, injuries, and property damage.


What Is Landscape Services Insurance? 

Landscaping insurance is designed for the owners of small businesses that perform jobs such as lawn mowing and designing or tending to people’s gardens. It covers common issues that could lead to a lawsuit, such as property damage or personal injury. For instance, if your lawnmower malfunctions and you accidentally damage your customer’s property, your insurance can pay for the repairs. 

Similarly, you will be covered if someone gets injured due to your actions at your customer’s home, for example, if you drop an object onto another person’s foot and they have to go to the hospital for treatment. In addition to paying for the medical bills, your insurance policy might cover the legal fees associated with the case and compensate the victim for the time they had to take off work.

How It Works 

When you open up a landscaping business, one of the first things you should do is find out what types of insurance you need. A policy that covers general and business-specific liability is crucial because it can prevent you from having to pay out five, six, or seven-figure amounts in case of an accident. For a small fee, usually between $25-75, you can protect your business’s finances and future. 

If you’ve never set up a company before, you might not know how to find the best policy for your needs. In this case, you should contact an insurance agent, who can compile the best quotes and help you choose the one that suits your business. Your agent can also help you determine what other policies you need. To be fully covered, many businesses require vehicle insurance and workers’ compensation.

Who Is This Right for? 

Everyone who runs a landscaping business needs to take out insurance because the risk associated with a lawsuit is significant. This includes people who offer services like lawn care, spring and fall landscaping, pruning and hedging, creating seasonal displays, irrigating gardens, and removing leaves from properties. If you fail to protect yourself, you could end up having to pay out multiple six figures, which could put you out of business.

Since there are various types of landscaping companies, you should speak to your insurance agent about suitable policies. In addition to the price, you should consider whether your insurance matches the size of your company, the most common risks associated with your services, and the area you cover.

Opening a landscaping business could be a great choice because the demand for this type of service is higher than ever. But before you can start, you need to choose a suitable insurance policy, which protects you if you damage someone’s property or a member of the public gets injured while you’re working. The best way of finding a good policy is to get in touch with an insurance agent, who can help you evaluate various quotes.

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Trucking Insurance

Trucking Insurance

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Winery Insurance

Winery Insurance

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Veterinary Office Insurance

Veterinary Office Insurance

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