Tag: commercial

Owning a business requires more than the ability to deliver goods and services. To protect your investment, selecting the right commercial and/or cybersecurity insurance is a must. If you’re located in or near Gahanna, OH, America’s Top Insurance is here to help guide you through the process of comparing traditional commercial insurance and cybersecurity insurance to determine your exact needs.

What Traditional Commercial Coverage Covers

Traditional commercial insurance focuses on operational risks and physical risks to your business. Common policies will include general commercial liability, commercial property, and even workers’ compensation. These policies are designed to protect against losses that include bodily injury, property damage, fire, theft, and natural disasters. Employee injuries and vehicle-related accidents are often also covered.

What Cybersecurity Insurance Covers

In addition to traditional coverage, cybersecurity insurance is designed to address technology-driven risks, which are becoming increasingly prevalent among many types of businesses and investments today. It helps businesses recover from cyber incidents, such as:

• Data breaches (that may involve customer or employee information)
• Cyber extortion and/or ransomware
• Phishing and social engineering attacks
• Network outages and potential system failures

Traditional commercial insurance protects tangible assets and physical operations, whereas cybersecurity insurance protects digitial assets, online systems, and data that may have been collected. Determining your needs requires an in-depth review of your current business structure and data collection needs year-round.

Knowing the difference between traditional commercial insurance and cybersecurity insurance is imperative for most businesses that handle data and customer information today. Whether you’re launching a startup or you’re in the process of expanding an existing business, selecting the right insurance matters. For clients in or near Gahanna, OH, America’s Top Insurance is here for you. To learn more about your options and to compare potential solutions, contact us for your consultation and quote today.

Starting a business often means investing in inventory to sell or produce products. You may need equipment to help you transform that raw material into something others want to buy. No matter the type of business, it’s critical to have the right commercial insurance coverage to protect these assets.

At America’s Top Insurance, we work closely with each of our clients to determine the optimal combination of coverage tailored to their specific needs. When you need commercial insurance in Gahanna, OH, and surrounding areas, contact us for a quote.

Protecting Your Assets

The inventory and equipment you have in your business are crucial tools for keeping you operational. That means they are incredibly valuable to you. As a result, you should purchase commercial insurance that protects you from these risks. There are various risks to these assets, including fire, theft, or vandalism. You may also want to purchase insurance for equipment breakdowns or damage.

The type and level of coverage you select for these assets depend on whether you own or lease them. In addition, you must consider the value of these assets over time. Maintaining sufficient coverage ensures that your inventory and equipment are adequately protected. Every situation is a bit different, but we can help you protect your business efforts with custom coverage.

Let Us Find a Policy To Meet Your Needs

America’s Top Insurance is your go-to professional organization when you are starting, growing, or running your business. Contact us for commercial insurance in Gahanna, OH, and the surrounding areas. We’ll learn more about your business, the type of inventory and assets you have, and shop around for a comprehensive quote that safeguards your business operations.