How to Design a Business Insurance Policy

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How to Design a Business Insurance Policy

A Colorado Commercial Insurance Update

There are many insurance companies that are willing to offer you business commercial insurance coverage.  However, how can tell them apart, other than by their logo or advertising?  That is why you hire us, to help you review your risk, then design a program that fits your needs, and finally go to the marketplace and bring back the best options.  Not all insurance companies are the same.  They all offer different kinds of business insurance and services.  Here are some of the different kinds of coverage that you might consider when designing a commercial insurance program.  Each of these liability types offers protection from business-related fraud.  Purchasing several, or even all, of these policies may be necessary to fully protect your company from lawsuits.

  • Directors and Officers Insurance
  • Commercial Auto
  • Commercial Liability
  • Commercial Crime Liability
  • Property Insurance
  • Business Income and Extra Expense
  • A Commercial Umbrella Policy
  • Errors and Omissions Insurance
  • Fiduciary Liability
  • Employee Practices Liability
  • Privacy and Network Security Insurance

One way to make sure you get the best possible combination of coverage, price, and service is to have us help you identify the top insurers in your industry.  Other things to consider are your deductibles and limits purchased.  When selecting an insurance company allow your agent to do most of the heavy lifting.

If you run a business in Colorado or in other states, you need not worry, as you can contact Steve Longenecker to save you the trouble and to help manage your insurance products with ease.  Steve has been active in the field of insurance advising for over a decade now, and has many happy clients to his credit. This tech savvy insurance agent–with an awesome team–makes sure that all your requests and inquiries are taken care of within 24 hours.

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  1. Steven Davis says:

    While your homeowners insurance already provides some level of liability coverage, it may not be enough to protect you and your assets. If your liability coverage is insufficient and you get sued, you could end up with significant out-of-pocket costs. Raising your liability limits is often quite inexpensive, so it pays to check the cost of additional protection. You may be able to get even more liability coverage by tacking an umbrella policy on to your homeowners and automobile policies.

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