Your Business Requires a Different Type of Insurance
Commercial Vehicle Insurance
As a business owner, you need the proper vehicle insurance to cover liability, collision and comprehensive, medical payments, and coverage for uninsured motorists on all vehicles owned by your company. For cars, trucks, and heavy equipment vehicles owned by your company, the name of the business must appear as the “principal insured” in the policy, not your name or your wife’s name. This can significantly alleviate confusion in filing a claim or claims filed against you or your business. If your car or truck has commercial signage, some insurance companies will not honor claims written for policies personally designating you as the “principal insured”, instead of your business.
If you use vehicles in your business for employees, hauling goods or to perform services or drive long distances, you may need commercial vehicle insurance get the proper coverage. At Artisan Insurance, we can help you with all your commercial vehicle insurance needs.
Commercial Property Insurance
Commercial property insurance protects your business’s physical assets from fire, explosions, burst pipes, storms, theft, equipment failure, inventory, lease space, rental revenue generating assets, vandalism, risk situations, etc. The cost of this insurance can vary based on location, building size, construction materials, features of the policy, and business use. Artisan Insurance can assist you in developing an insurance solution to fit your business needs.
General Liability Insurance
At Artisan Insurance, we highly recommend a personal umbrella liability policy to cover gaps and exclusions of business-related liability insurance. For an established business, it’s essential to ensure you have sufficient liability insurance coverage for all possible contingencies.
Unfortunately, any business owner can be sued and held legally responsible for injury or damage.
Your chance of getting sued have dramatically increased over the last 10 years. General Liability Insurance is a “must have insurance” for your business to protect against the legal suit to your business or you. General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your business operations. The proper coverage can inhibit or remove financial tragedy. At Artisan Insurance, we will work with you to determine the best package solution for you and your business.