Is Your North Bay Commercial Insurance Right For You?
Recently, Forbes ran an article about the top 10 risks business face. The article focused on some of the risks that are hard or impossible to insure through “standard” business or commercial policies. Business insurance is designed to cover unforeseen accidents to third parties, per the terms of the insurance policy. There are many risks that may keep a business owner or manager up at night, and we thought we might share our list with you.
- Loss of Business Income. If your business is closed due to a covered loss, we recommend business interruption insurance. This coverage can be a life saver for your business. Knowing you have a revenue stream during a period of recovery can help you sleep at night.
- Employment Liability. Now more than ever, employees know their rights. The State and Federal Governments are also creating new laws to protect employee’s rights. This increases the risk of being sued for many different reasons including; civil rights, discrimination, and even lawsuits from illegal workers. Employment Practices Liability insurance addresses many concerns business owners may have regarding their employment liability.
- Natural Disasters. No one can predict the weather, especially in our part of the country. Weather related losses are growing at a fast pace. Commercial insurance covers most weather related damage. However, earthquake, flooding, and hurricane losses are excluded from most policies.
North Bay Insurance Brokers, Inc. provides insurance to businesses in Sonoma, Napa, Marin, Santa Rosa, Petaluma, American Canyon, and surrounding areas.
No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. North Bay Insurance Brokers, Inc. would like to return the favor by giving you the coverage you need to ensure the security of your business.