If you’re questioning, “where can I find the best business insurance in Spokane WA?” you’ve come to the right place. As a leading Insurance Agency in Spokane and surrounding areas, we can help you find the top coverage you’ve been searching for. After all, we know just how important your business is to you. At Associated Agents, we’ve built our company from the ground up and have been serving our community for 15 years. As protected as we are from potential accidents, we want to help you do the same. We offer many different types of coverages and can guide you to the best coverage options available.
Business Auto
Business Auto Insurance can protect your commercial vehicles in case of an accident. Coverage include Bodily Injury Liability, Property Damage Liability, Personal Injury Protection and more. So if your employee is in a crash with your commercial vehicle, then you may not need to pay out of pocket. Additionally, if an employee is driving their own vehicle and crashes, they may not have enough coverage to cover the claim. Or, their insurance may reject the claim due it being work-related. If this is the case, then you may be liable. with Business Auto Insurance, you can rest easy on both accounts.
Business Owners
A Business Owner’s Policy (BOP) combines business property and business liability into one business insurance policy. BOP insurance helps cover your business from things like fire, theft or other covered disasters. As well as customer injury, property damage, advertising injury and product-related claims. With a BOP, Workers Compensation is not covered. You will need a separate policy for that. If you’re a small or medium sized business that owns or rents a workspace, you should consider a BOP to protect your business from accidents, lawsuits, theft and more.
Commercial Crime
Unfortunately, fraud and crime can happen when you least expect it. A Commercial Crime Policy generally provides seven different coverages, including: employee dishonesty, forgery or alteration coverage, computer fraud coverage, funds transfer fraud coverage, kidnap, ransom, or extortion coverage, money and securities coverage, and money orders and counterfeit money coverage. Claims can include: · Employee dishonesty and theft ·Funds transfer fraud ·Computer fraud ·Employee fraud ·Misuse of sensitive financial data, like client’s credit card or social security number ·Social engineering. Any business that handles financial transactions with customers could benefit from a crime insurance policy.
Commercial General Liability
A Commercial General Liability Policy is a form of comprehensive business insurance that offers coverage in case of damage or injury caused by a business’s operations, products, or on its premises, but does not cover all risks. There are two types of CGL policies, a claims made policy that covers claims regardless of when it may have taken place and an occurrence policy where the event must take place during a set period. With a CGL, companies can add other companies or individuals they contract with to their commercial liability insurance policy as an additional insured. Though it is considered comprehensive, it does not cover all risks a business may face.
Commercial Property Insurance
A Commercial Property Insurance specifies how you’re compensated if your business’ physical assets are stolen, destroyed or damaged. But only due to a problem covered by your policy, such as fire, lightning, wind, hail, theft or vandalism. For a home-based business, this type of coverage provides more than homeowners insurance would. Business Property Insurance can help protect physical assets such as your building, equipment, tools, inventory, furniture & personal property. It also includes business interruption insurance which can help replace your lost income in case your business operations can’t continue because of covered property damage.
Commercial Umbrella Insurance
With Commercial Umbrella Insurance, your coverage extends the limits of certain liability policies, including general liability and business auto insurance. Without this type of coverage, you may pay out of pocket for costs that go over policy limits. Such as legal costs, medical bills, damage to other people’s property, judgements and settlements, etc.
We know just how important your business is to you. At Associated Agents, we’ve built our company from the ground up and have been serving our community for 15 years. As protected as we are from potential accidents, we want to help you do the same. Whatever your unique insurance needs are, we can help! Contact us today at 509.928.7528 or visit www.aagi.us to learn more or request a complimentary quote.
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