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Columbus, OH 43230

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3 Reasons to Review Your Commercial Policy Every Year

Business owners and operators in Gahanna, OH and the surrounding area rely on the team at America’s Top Insurance for their commercial insurance needs. We’re here to help you protect your business now and in the future and ensure that your commercial insurance needs are met.

Why You Should Review Your Commercial Policy Every Year

Just as your business changes from year to year, so too do your insurance needs. Your local commercial insurance agent is a perfect resource for you when it comes to reviewing your ongoing policy needs. Here are just a few of the many reasons why an annual review is always a good idea.

  1. Your Insurance Needs Change Over Time – no business is stagnant. You might be investing in new equipment, acquiring property, or upgrading your commercial fleet. All of these changes can affect your insurance needs.
  2. The Value of Commercial Property Fluctuates – one of the biggest assets that your company might have is the property you own. As real estate values fluctuate, you’ll want to make sure that your policy keeps up with that need.
  3. Addition of Additional Features – adding features like business interruption coverage or key-man protection are changes that you might want to make as your business grows. These features help you protect the many years of hard work you’ve put into your company and keep it well-positioned for future growth.

Schedule a Consultation Today

America’s Top Insurance is proud to serve the insurance needs of the Gahanna, OH business community. If you have questions about your current commercial policy or it’s time to upgrade to a more comprehensive policy, we’re here to help. Contact our office today to learn more about our services and to schedule an appointment. We look forward to working with you.

What types of insurance do I need as a business owner?

As a business owner here in the Gahanna, OH area, it is important to ensure that you have adequate insurance coverage in place to protect your assets and liabilities. There are a variety of types of insurance policies available to business owners from us at America’s Top Insurance, which can help cover the costs associated with natural disasters, theft, legal liabilities, and more. 

Commercial Insurance Coverage Options

The most common types of insurance for business owners include property insurance, general liability insurance, workers’ compensation insurance, commercial auto insurance, business interruption insurance, and professional liability or Errors & Omissions (E&O) Insurance. 

Property Insurance helps protect a business from losses caused by damage to physical assets such as buildings or equipment due to fires, storms, theft, or other causes. General Liability Insurance provides protection for businesses against claims resulting from injuries and property damage to third parties. Workers’ Compensation is mandatory in some states and helps provide financial assistance for medical bills and lost wages incurred as a result of an employee’s work-related injury or illness.

Commercial Auto Insurance covers vehicles used for business purposes – this often includes company-owned vehicles as well as employee-owned vehicles used for business activities. Business Interruption Insurance covers lost income related to certain unexpected events such as fires or floods that force a company to temporarily suspend operations. Lastly, Professional Liability or E&O Insurance protects businesses from claims arising out of negligence in the provision of professional services. 

By making sure you are properly insured with all the necessary policies in place, you can mitigate much of the risk associated with running a business while providing yourself with peace of mind knowing that your finances are secure.

We Are Here To Help

For more information, call us at America’s Top Insurance today. We are proud to serve the Gahanna, OH area.

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