The Insurance Center of Green Valley offers a variety of insurance policies to help local entrepreneurs in Green Valley, AZ protect their business. The agents offer commercial policies that cover a wide variety of liability and damages, including those associated with vandalism. While vandalism isn’t overly common, but it does occur. 

Is the Building Occupied?

While commercial insurance policies are known to cover damages that are the result of vandalism, there are certain stipulations. For a commercial policy to cover these types of damages, the building must be occupied. If a building is vacant, it is much less likely that your commercial policy will be willing to pay for any repairs. Occupied buildings are less likely to be vandalized because they are more visible.

Estimates to Repair Damage

If your commercial building is vandalized, you will need to have an estimate that states how much it will cost to make the repairs. If the amount is more than that of your deductible, your insurance company will pay the difference. It may be a good idea to get two estimates so that you have an average to work from. In some cases, a police report may be needed, especially if the damages are extensive.

Business owners who live in the Green Valley, AZ can schedule an appointment with the agents of the Insurance Center of Green Valley if they are looking to purchase a new commercial policy or upgrade an existing one. Don’t leave your business to chance. Talk to an agent at your earliest convenience to make sure your business is fully insured. Schedule your meeting and get all of your potential concerns addressed by the professionals.

If you think your business is too small to insure at all, much less purchase commercial insurance for, you may be in error. Your small business may benefit by the big protection of commercial insurance. At Insurance Center of Green Valley we want our local small businesses to succeed no matter what comes their way, so check if you should be covered if you have a business of any size. We serve businesses in Green Valley, AZ and the surrounding area. 

Does Your Small Business Need Commercial Insurance? 

According to the Arizona Small Business Profile, a small business is a company with fewer than 500 employees and makes up more than 97% of all state employers. It is vital that these small businesses are all protected as much as possible with insurance to keep our economy up. 

Even if your business is nowhere near 500 employees, insurance is still a good idea. In fact, if you have one or more people who are part or full time, you are required by the state to carry worker’s compensation insurance. Also, all drivers must have minimum auto insurance, but if you use your vehicle for your business it is wise to get commercial vehicle insurance, no matter if you are the only one driving it in your business. 

While the above is required, commercial property insurance and commercial automobile insurance are not legally mandatory. Regardless, it is prudential to protect your source of income and your employees’ livelihood with commercial insurance. Even if your company is fledgling or very small, you still have a lot to lose if things go wrong and a good commercial insurance policy can save the day. 

Contact us at Insurance Center of Green Valley, AZ if you are interested in protecting your business. We can discuss your options and come up with a policy that fits you. 

Some people planning to start a small business might not realize they need commercial insurance. If business owners do understand the importance of it, they still may need more information about what their policy should cover. Insurance Center of Green Valley encourages you to keep the following three commercial insurance priorities in mind:

1. Coverage for data breaches – Only about a third of small U.S. small businesses in 2017 had cyber insurance coverage in case of a data breach, but one in 10 of them suffered hacking of their computer systems. Since much of what a business would complete on paper is now performed in the Cloud, your Green Valley, AZ recommends cyber insurance.
2. The inclusion of your building, equipment, and supplies – Take a careful inventory of all that you rent or own including the building where you serve clients. It could reduce the stress associated with losses and damages that can diminish your profits. This might include protection in the event of a fire, flood, theft or other unfortunate circumstance if you request it. You also may need commercial vehicle insurance.
3. Provisions for liabilities to others – Make sure your policy pays out enough to cover employee injuries or damages to client property. Prevent financial loss from customer slips and falls and other unexpected incidences, too.
4. Your Green Valley, AZ insurance agent wants you to continue operating your business without excess financial strain. Don’t hope for the worst, but prepare just in case. Feel free to discuss with a representative about how much money your policy should pay in specific scenarios, for instance.

Contact us, your Insurance Center of Green Valley for more information about commercial insurance or any other coverage you need.

Severe storms can cause an extreme and even devastating level of damage to houses and other property, as people in regions affected by those storms know all too well. Here are some details about home insurance coverage for severe storm damage. These guidelines are brought to you by Insurance Center of Green Valley serving Green Valley, AZ.

Heavy rains can bring flooding and other problems, and oftentimes that flooding can cause some serious damage to homes. A separate flood insurance policy might be necessary, but in certain circumstances, home insurance may cover damage from rain.

Powerful winds from severe storms can do a tremendous amount of damage. They can blow trees down, which can fall into homes and other structures. They can also blow shingles off roofs and do a variety of other damage. Home insurance can cover many types of damage caused by wind, depending on the specific details of a particular policy.

Many factors can affect what home insurance coverage you need that helps with recovery from severe storm damage. Those factors include your location, such as if you are at or near an area that is prone to severe storms. Keep in mind that any area can experience severe storms at one time or the other. There are various levels of coverage with insurance policies, and each policy has certain limitations.

But if it looks like you will need home insurance coverage for severe storms, make sure you have that in place well before any storm hits. Also look into flood insurance, especially if you are in an area that is prone to flooding. If you need assistance with your home insurance questions, feel free to contact us at Insurance Center of Green Valley serving Green Valley, AZ.

When you run your own business there are a number of expenses you need to consider. One such expense is insurance coverage. Commercial insurance coverages come in a number of forms, each of each is designed to protect your business in varying ways. However, one form of insurance coverage you need to consider is commercial auto insurance. Whether you work in Green Valley, AZ or the surrounding area, Insurance Center of Green Valley is on hand to help you determine whether or not you need commercial auto insurance. 

Do You Use Drive For Work?

This doesn’t include driving to your job and driving home. However, if you drive while on the clock you’ll need commercial auto insurance. This means if you’re driving between clients or even making deliveries (even pizza deliveries) you need commercial auto insurance. If you are not protected and are involved in an accident the other individual in the accident can come after the company. 

Driving Professionally?

Do you drive professional? If you drive for a ride-sharing service, such as Lyft or Uber, you need commercial auto insurance. Your regular auto insurance will not cover you with this. As you are on the clock being paid for the ride you are in a commercial act. Due to this, you need to invest in commercial auto insurance to protect you and your vehicle in the event of an accident. 

Commercial auto insurance will protect you, your business, and your vehicle in the event of an auto accident. Even if the accident is not your fault you may find regular auto insurance will not cover you. To know for sure if you need commercial auto insurance now is the time to contact Insurance Center of Green Valley for all your Green Valley, AZ commercial insurance needs.