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Why Your Small Business Needs Commercial Insurance

palm coast insuranceWhen it comes to your small business, we understand how important the safety of your company is to your overall success. Commercial insurance is vital for small businesses because your policy can protect you from losses due to property damage, theft, employee injury, and other liabilities. There are three categories of commercial insurance that most companies need.

  • Liability Insurance

Liability insurance protects your company in the case of a lawsuit. If your company or employee causes damage to a third party, liability insurance will usually cover the damages.

  • Property Insurance

Protect your company’s property against damage, such as fires and floods, with property insurance.

  • Workers’ Compensation Insurance

In the unfortunate case an employee is injured on the job, worker’s compensation insurance will protect your company and cover the medical expenses.

It is important to consider your risks when choosing what policy of commercial insurance you need. If you are interested in speaking to our Daytona Beach and Palm Coast insurance agency, contact us today at (386) 756-8551. Our agency would be happy to discuss our other insurance services with you, and we can even provide you with a comprehensive, free quote for your needs. We’re based in Daytona Beach, Florida, and Palm Coast, Florida, and we gladly serve the surrounding neighborhoods.

9 Ways to Keep Your Home Safe

home insurance palm coast flWhen it comes to your home, it is typically a safe space from the world to escape and unwind. The unfortunate reality in today’s society is that it takes a lot more to keep your home safe than it once did. At Commercial Coverages, Inc., we strive to help our clients protect their homes, families, and possessions at all times with our home insurance in Palm Coast, FL, and Daytona Beach, FL. Below we offer nine easy ways to help keep your property safe.

  1. Install a strong, solid-wood front door.
  2. Invest in a home insurance policy that covers your belongings and assets.
  3. Keep a piece of wood in all sliding door tracks.
  4. Add a security system to your home, along with showcasing your security sign in your yard.
  5. Install motion sensor exterior lights.
  6. Have someone pick up your mail and garbage while out of town so that it won’t pile up.
  7. Add glass break sensors to your windows.
  8. Put your valuables in a safe place, such as steel safe.
  9. Don’t announce vacations on social media platforms.

For insurance purposes, we also suggest that homeowners document their possessions with photos and receipts. Be sure to include as much information as possible when documenting, including any serial numbers. If you are interested in learning more about our home insurance coverage options, contact us today at (386) 756-8551 to request a free quote.

How to Prepare for an Insurance Quote

palm coast insuranceAfter you have purchased your new home or vehicle, it is important to look into protecting your assets with insurance. At Commercial Coverages, Inc., your dedicated Daytona Beach and Palm Coast insurance company, we strive to offer our clients a wide variety of coverage options that fit their needs and budget. It is important to properly organize and research before you seek an insurance quote. Below we help our clients prepare for their insurance quote by providing helpful tips to do beforehand.

  • It is important to research competitive insurance rates in your area in order to be well-informed when your new insurance agent offers you current insurance premiums. This will help you know if you are being offered a fair rate.
  • Work out your specific preferences and financial state before you go in to receive an insurance quote. This will help you understand your needs when finding an insurance package that has sufficient coverage.
  • Inquire about applicable discounts before you go in to receive an insurance quote. Although our agency strives to inform our clients, many other agencies will not inform their clients in hopes that they will pay a higher rate.
  • Prepare questions to ask your insurance agent to help you understand the process in depth.

Contact us today at (386) 756-8551 to request a free quote.

Welcome to Commercial Coverages Blog

palm coast insuranceWelcome to Commercial Coverages Blog! Protect the things that matter most with help from Commercial Coverages, Inc. Our knowledgeable team understands the local community and can be an excellent help for securing affordable residential and commercial insurance policies that best fit your needs. We provide comprehensive insurance plans that range from home, auto, business, and more. Check below to learn more about the different insurance policies we offer.

Personal Coverage Choices

  • Homeowners
  • Automobile
  • Umbrella Liability
  • Boat and Yacht
  • Scheduled Property
  • Manufactured Home

Business Coverage Choices

  • Commercial Property
  • Commercial General Liability
  • Workers’ Compensation
  • Business Automobiles
  • Commercial Excess Liability

When you choose to purchase insurance through our company, you can have peace of mind that you are protected from the unknown. Accidents can happen without warning, and it is best to have the financial protection that matters most. Knowing that you have the protection you need for your home and business will allow you to focus on the essential things in life, such as your family and friends. If you are interested in speaking to one of our insurance specialists, contact our Palm Coast insurance office today (386) 756-8551 to discuss your needs. We are happy to answer any questions regarding your insurance coverage needs.