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Why Every Commercial Insurance Policy Is a Custom Policy
Miao Insurance Services serving Pleasanton, CA wants your business to carry the right commercial insurance coverage, and with more than 20 types of business insurance, you need a consultation to choose the right type.
Miao Insurance Services can help you with that. Our insurance agents will help you build the custom policy that best protects your business. What options does commercial insurance offer?
Your options vary from glass insurance for ballet studios and storefronts with lots of mirrors or plate glass to replace in the event of a peril occurring to malpractice insurance that covers medical practitioners. There’s commercial auto coverage, errors and omissions, boiler insurance, business interruption insurance, etc.
You won’t need every kind of commercial insurance for any type of business, but you will need the right kinds. For example, a doctor who makes medical apparatuses needs error and omissions coverage and malpractice insurance, but a pediatrician only needs malpractice out of the two types.
A caterer with only one driver needs a different commercial auto policy than a pizza delivery restaurant with ten drivers. A long-haul truck driver needs a different type of commercial auto coverage, tailored to its trip lengths and truck size.
Most businesses begin with a business owners policy (BOP), a package deal for the business that provides the four major types of coverage – liability, property damage, perils, and business interruption. The package costs less than the four policies would separately.
The BOP provides the foundation for a commercial policy. The business can add other types of coverage to it, from commercial auto to malpractice. It provides the essential coverage for less.
Contact Miao Insurance Services serving Pleasanton, CA today to learn about your commercial insurance coverage options. Let us help you obtain the insurance coverage that protects your financial investment in your company.