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How Do I Buy Business Insurance?

There are many things to understand when purchasing Insurance for your business. When considering an insurance purchase, you must first keep in mind whether to buy a Commercial Package Policy (CPP) or a Business Owner Protection Plan (BOP). While a CPP offers the flexibility of choosing coverages from a number of sources, a BOP offers a single sourced prepackaged group of coverages that are designed for particular business segments.

Both of these solutions will likely include sections dealing with Property, Liability, AutoBonding and Worker Compensation. Other coverages that can be added are E & O, Directors & Officers, and Umbrella, to name just a few.

What coverages you require should be decided after a meeting with a professional independent insurance agent. He will make an educated assessment of your coverage needs options and will put together a solution that you should consider for your business.

Never obtain a quote based exactly like your old policy! Coverage requirements and policy forms change over time; it is a good idea to make sure that old policy is updated. Building values change. Contents values change. Your business changes.

Purchasing commercial insurance can be complicated, but as your local independent agent we will be with you to make sure it is done right.     740-992-6677   www.insurance-plus.com

Posted 3:33 PM  View Comments

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