Is Commercial Insurance Worth the Investment?

Small business owners agree starting a company takes a lot of effort and time. It also requires patience and a lot of common sense. If you’re considering starting your own company, or perhaps you already own one, and you haven’t looked into the benefits of commercial insurance, it is vital that you do. Here at the Insurance Center of Green Valley serving Green Valley, AZ, we understand how important it is to protect a small business, and we want to share three reasons commercial insurance is worth the investment. 

Protect Your Contracts

If you operate a business where you go into contracts with your clients, it is imperative these contracts be protected. What many small business owners fail to realize, though, is there are a handful of contracts that won’t hold up in the court of law. And because lawsuits are sometimes unavoidable, you need to have commercial insurance to serve as a form of protection when a contract isn’t viewed as legal in the eyes of the court.

Don’t Let Your Employees Down

If you have employees working for you, your responsibilities become much more substantial. Fortunately, commercial insurance can serve as a viable way to provide you with financial protection in the event you are unable to make payments for labor and wages. The specifics of commercial insurance will vary from one policy to the next, making it vital to discuss your exact needs with a qualified insurance agent. 

Commercial Auto Insurance

If you have workers who use a vehicle to perform work-related tasks, it is essential that you provide commercial auto coverage. If possible, you should consider investing in fleet vehicles and adding commercial insurance to them. Commercial auto insurance can be the difference between keeping your doors open and having to close up shop if one of your workers is injured in an auto accident while performing work-related duties.

To learn more about the advantages of commercial insurance and why it’s worth the investment, contact the Insurance Center of Green Valley serving Green Valley, AZ.,

Home Insurance Is Critical To Help Fires

Living in Green Valley, AZ is usually a comfortable and relaxing life. However, fires may occur in this hot area, particularly if your home is getting old. When a fire does impact your life, you are going to wish that you had detailed fire coverage added to your homeowner’s policy. Contact us at Insurance Center of Green Valley if you want this type of coverage or read on to learn more about why it is so critical to your home.

Most Home Insurance Policies Protect Against Fire

Thankfully, homeowners insurance is designed to help protect your home from a variety of problems. One of these is fire. A typical policy will cover your dwellings, including the home and its attached structure. This also includes relocation costs while you are waiting to move into a new home, such as hotel and restaurant bills. Detached structures and certain types of belongings are also covered. However, this type of coverage won’t be available if you haven’t paid for it on your policy.

Specialized Coverage Improves Your Policy

While your homeowner’s insurance can help you cover a lot of elements, it isn’t perfect. Specialized fire insurance can help you cover items, such as home furnishings, electronic items, air conditioners, and family heirlooms. These aspects of your home are critical to ensuring because many of them cannot be replaced. And without specialized fire insurance on your homeowner’s policy, you might not be able to get compensation for them. That doesn’t mean your homeowner’s insurance isn’t worthwhile but that it might need some supplemental coverage.

Do You Need Fire Insurance?

While most people in Green Valley, AZ won’t need fire insurance, it can help against total destruction and provide you with extra help to recover. If you want a policy, please don’t hesitate to contact us at the Insurance Center of Green Valley to learn more. We will help you settle in and get the insurance you need to avoid serious loss.