Streetsmart insurance Blog
Like other businesses, your IT company depends on a steady income stream and its strong reputation. If property damage, illness, or lawsuits threaten the security and stability of your company, a business insurance policy will protect your assets so that you can move forward. Whether you run a small business from your living room or an IT firm from a corner office, you need affordable coverage that will safeguard your business in case of an emergency.
Sometimes, when you are shopping for homeowner’s insurance coverage, an insurer will ask to schedule an inspection of your home as a step to selling you coverage. The same could be true for your commercial properties. If you own and operate a business and are trying to get coverage for the building or property, then your prospective insurance company might ask to inspect the premises.
Homeowners insurance protects property owners from a wide range of perils, but most homeowners have never taken the time to read through their entire policy so that they can understand which perils are covered. This post will cover the standard coverages that are included in every homeowners insurance policy as well as additional coverages that protect homeowners from unnecessary losses.
You are shopping for a new home insurance policy when one of the insurance companies you are talking to asks to schedule a home inspection. You are a bit alarmed at this request. Why does your insurer need to see your house? Are you in trouble? Should you stop talking to this particular insurance company and contact someone else who doesn’t want to enter your private dwelling?
When you sign up for a general liability insurance policy, you submit information about your business that determines the amount of coverage you receive and the price you pay for your policy. Without an inspection, your insurance company would have no way to verify that information or confirm that your business is run in the way that you say it is.
If you operate a company that has a fleet of commercial vehicles, or if you are the owner and operator of a trucking business, then you will need to select a commercial insurance policy for your vehicles. The definition of “commercial vehicle” can vary from state to state, so to start, it is a good idea to check what that definition is in your state.
Your home is a place where family members, friends, and visitors can come together to celebrate life’s special moments. As a homeowner, it is your responsibility to remove dangerous objects that could hurt those guests. If someone is injured while they are on your property, they may sue you to cover the cost of their medical expenses.
Whether you work from home or a storefront office, you need a safe, affordable space to conduct business. If property damage and government ordinances force you repair or rebuild your building, ordinance and law coverage can help you keep your doors open.Ordinance and law coverage protects property owners from financial loss after their building is damaged by a covered peril. Government regulations usually force property owners to repair, rebuild, or demolish damaged buildings, and ordinance and law coverage can help cover the cost of construction.