During the search for commercial insurance policies, you might feel like calling it quits–or running for cover–or going with the cheapest option you find, rather than sorting through the details of each policy. But finding the right policy for your business in Green Valley, AZ doesn’t have to be a pain in the neck. These tips will help.
1. Know what type of coverage you need.
If your company has commercial vehicles dedicated to making deliveries, servicing clients, or other business-related activities, you’ll need to purchase commercial auto insurance to cover them and any employees who drive them; you may also need (or choose) to purchase employee health insurance, professional liability insurance, product insurance, or home-based business insurance.
For a more in-depth overview of those options, the U.S. Small Business Association is a fantastic resource.
2. Find an insurance agent who’s willing to work with you.
As an independent insurance agent, we work with multiple insurance companies, so we’ll be able to compare quotes to help you find the best rate for your business. Regardless of which company you choose, make sure to find someone you trust who answers your questions honestly, knows exactly what is and isn’t covered on the policy in question, and asks questions about your business’s situation so they can suggest an appropriate policy for you.
3. Compare insurance quotes.
This might go without saying, but it’s well worth your while to get a few different quotes before deciding on a policy. When comparing quotes, read through the fine print, too–just because one policy’s premiums are significantly lower doesn’t mean they offer the best deal. Often, lower premiums mean higher deductibles–or less coverage. Do your homework (and consult a qualified agent) to make sure you’re not unpleasantly surprised later on.