Why Small Businesses Need Commercial Insurance

Small businesses need commercial insurance to be in legal compliance and to protect the main asset of the business owner, which is often the total focus of their lives; the business they built up.

Commercial insurance is a broad category of protection that includes worker’s compensation, general liability, professional liability, product liability, property and casualty insurance, commercial vehicle coverage, and business interruption.

The one category of commercial insurance where many small businesses are under-insured is business interruption. Business interruption protection is vital coverage when a business cannot operate normally due to circumstances beyond anyone’s control.

The Risks of Climate Change

The impacts of climate change are showing up all over the United States in terms of massive flooding, wildfires, earthquakes, hurricanes, heat waves, huge storms, and tornadoes. In light of the increased risk of natural disasters, there is a chance that a small business will be suddenly wiped out. This can happen even if the business itself does not experience any direct damage. Power may be off for extended periods and roads may be closed.

If a natural disaster hits an area and the local economy stalls out, many of the expenses of the business may continue even when there are no revenues coming in to help pay for them. It is a shame to lose a business that was otherwise thriving because a natural disaster prevents its customers from the normal activities that support the business.

What Happens When Tourists Stop Coming?

Businesses that live off of tourism may be especially vulnerable. If all the community is damaged by a natural disaster then few tourists, except the gawkers, are going to want to come to the area. A business on the outskirts of such an area may not be able to keep the doors open without business interruption insurance.

Commercial Insurance Review

Work with your agent at Insurance Center of Green Valley, serving Green Valley, AZ and the nearby communities, to have a review of the commercial insurance coverage to make sure there is adequate protection in place. For all commercial insurance needs contact your agent at Insurance Center of Green Valley in Green Valley, AZ by calling 520-648-1150.

Safe Driving Habits for Summer Road Trips

There’s nothing more exciting than taking a summer road trip with your family. Whether you’re exploring the Green Valley, AZ area or traveling beyond, the following road safety tips from Insurance Center of Green Valley can enhance your summer travels.

Inspect Your Vehicle

Before hitting the road this summer, have your mechanic do a multi-point inspection of your vehicle. Your mechanic should check your engine, battery, fluids, tires, brakes and cooling system before giving you an “all clear” for long distance travels.  

Plan Your Route

In addition to using your smartphone’s GPS, make sure you bring an updated map to mark your routes and plan your travels. A map will come in handy if you encounter areas where you receive no service on the road. Maps are easy to follow and reliable at all times, making it easy to keep track of your travels.

Drive Defensively

Drive defensively, making sure to obey speed limits, keeping a safe distance from other cars, stopping to rest when you’re tired and avoiding texting or talking on your cell phone when driving. Take your time and enjoy your road trip to the full by visiting natural resources or exploring famous landmarks along the way.  

Protect Your Vehicle and Belongings

Lock your vehicle when you’re not inside to protect your car (and belongings) from theft. Park in well-lit, secure areas when stopping to rest or have a meal to discourage thieves from targeting your vehicle. If you must stop at night to use restroom facilities, use the facilities quickly to reduce your risk of theft.

Update Car Insurance

Make sure your auto insurance is up-to-date for full protection on the road. To update your auto insurance coverage for an upcoming road trip, contact Insurance Center of Green Valley in Green Valley, AZ today.