Safeguard your business with a simple. smart. business policy.
Information that helps you plan, prepare and protect.
Simple. Smart. Insurance protecting what matters
No matter what kind of business you run, you may be at risk of burglary or theft from an customer, criminal or even a disgruntled employee. Out of all business insurance claims examples, burglary is the most common. Roughly 20% of commercial insurance claims are related to theft.
Small business owners tend to under estimate the likelihood of a fire. They also do not recognize how much time and money it takes to get their business cleaned up, and running again after a fire loss. Fires are capable of causing a substantial amount of property damage in a short period of time, potentially devastating a small business that doesn’t have insurance coverage.
If a customer slips and falls while on your business property, you may be vulnerable to a lawsuit. If members of the public frequently visit your business, you may want to consider getting coverage. This will allow you to submit a claim in the event that someone gets hurt on your property.
Weather related damage can result from wind, hail, snow or ice to cold weather freezing your pipes which, create problems for a business. If there’s a weather related natural disaster, it can shut down a business for an extended period of time. More importantly, some data suggests that over 25% of businesses that close because of a natural disaster never re-open, in part, because they do not have insurance to help cover the loss.
A realtor asks their administrative assistant to put up advertising signs for an open house. While doing so, the assistant gets in an accident in which the other driver is injured. The realtor’s non-owned car insurance policy would cover the damage to the other driver’s vehicle as well as costs related to their injuries.
You can let your CSIA agent know, but to get the claims process rolling fast, you can report a claim online period.