business Archives - Moser Group Insurance

18 May 2017

Archive, Commercial Insurance mosergroup 0 comment

Learn How Business Interruption Insurance Provides You with the Right Coverage

What to know about how business interruption insurance gives you the coverage that you need.

When it comes to protecting your business, it’s important that you’re well-prepared. When disaster strikes, your business could be left with costly damage that can temporarily impact your ability to function. Such a business interruption requires the necessary insurance coverage to help you get back on your feet. Find out what you need to know about business interruption insurance so that you can keep your company as secure as possible.

About Business Interruption Insurance Coverage.

When your business is forced to close its doors temporarily due to a disaster, business interruption coverage helps to get you back on your feet. Such coverage provides you with the financial resources to cover your expenses like rent, utilities, and employee salaries, lost revenue, and temporary operating costs if you’re forced to relocate for a little while. It’s a necessary safeguard to help protect your business from ruin.

Choosing the Right Business Interruption Coverage.

When it comes to investing in the right business interruption policy, it’s important to be aware that this policy does not exist as a stand-alone policy. Instead, it’s offered as supplemental coverage to other commercial insurance. Usually, when adding business interruption coverage, it’s added to a commercial property insurance or business owners policy. These types of policies give you general protection for your business that can then be customized by adding on additional endorsements. That way you ensure that you have adequate protection for your business to stay afloat after a disaster.

Be ready for disaster with the right insurance coverage. Protect your company with the right business interruption insurance. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

27 Apr 2017

Archive, Commercial Insurance mosergroup 0 comment

Get the Right Commercial Coverage for Your Business Size with These Tips

Find out what sort of coverage you need for your business size.

When it comes to your business, it’s important that you have the right insurance coverage. However, the coverage that you need for your business depends on your business size. The larger your business, the more coverage you need. Find out what you need to know about choosing the right amount of insurance coverage for your business size.

Home Business.

When it comes to your home business, it’s important that you have the right insurance coverage. While many home business owners assume that they’re covered under their homeowners insurance policy, it’s often not the case. Business conducted in your home requires a separate home business policy or a supplement to your homeowners insurance. Without the right coverage, you could be paying for damages out of pocket. Ensure that you get the right coverage so that you’re well protected.

Small Business.

As a small business with 50 or fewer employees, it’s important that you take care to protect yourself from common threats like property loss or lawsuits. A BOP (business owners policy) helps to give you baseline commercial property and liability coverage to protect your business. However, it’s a good idea to evaluate all your business risks, especially when they’re specific to your industry. That way you can customize your insurance coverage to best protect your business.

Larger Business.

The larger your business, the greater the risk. Ensure that your business is well protected with the right policies and the right coverage limits. Evaluate your risks so that you’re better able to match your coverage to your needs.

Keeping your business well protected is a top priority. Invest in the right commercial insurance coverage for your business size. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.

17 Nov 2016

Archive, Commercial Insurance mosergroup 0 comment

Update Your Professional Liability Insurance with These Tips!

Find out how you need to update your professional liability insurance updates.

As a business owner, you’re well aware of all the disasters that threaten your business. From natural disasters like hurricanes or blizzards to legal disasters that result in lengthy court cases, it’s important to be prepared with the right insurance. However, despite covering the basics, you often need supplemental coverage. Keep your business well protected with the right professional liability insurance. Already have a policy? Learn how to update your coverage so that your business stays safe and secure.

Reviewing Your Coverage.

Every year, it’s important to check up on your insurance coverage. That way you can adjust your policy limits to best fit your ever-changing business needs. Meet with your insurance agent to help you evaluate how much professional liability coverage you need so that you can update your policy accordingly.

Hiring New Employees.

Whether you’ve hired new employees or you’ve downsized a bit, it’s important that you have the necessary coverage. Look into adding more coverage when you hire new employees or how to lessen your coverage if your company has let a few people go. That way you have the right amount of coverage for your business needs.

Talk with Your Contractors.

When it comes to your professional liability policy, you’re only covered for your employees. If you’ve hired an independent contractor, you don’t have coverage to protect yourself. Before agreeing to bring on a contractor or subcontractor, ensure that they’ve purchased their own professional liability coverage so that you can rest easy knowing that everyone has adequate coverage.

When it comes to your business, get the commercial insurance coverage that you need and update your professional liability coverage. Contact the insurance professionals at Moser Group Inc. Located in New York, our experienced, knowledgeable staff will help you meet all your personal and commercial needs.