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Different Types of Commercial Insurance

Different Types of Commercial Insurance

Commercial insurance is broad and there are many different policies. What best protects your company?

Business owners may be overwhelmed when deciding on a policy that suits their company, assets, and financial future! Instead of opting for a bare-bones policy that exposes vulnerable areas of your business, it’s important to maintain adequate and reliable coverage.

Read on for a list that provides an overview of the coverages available to businesses!

Commercial Property Insurance: As the most common form of commercial property policy, it covers buildings, production machinery, office equipment, furniture, and stock. The policy is fairly flexible and can be adapted to meet the needs of your business.

Business Owners Policy: A business owner policy is a type of package policy designed for small and medium-sized businesses, and covers commercial property and general liability coverages. It can also include business income, extra expenses, and various crime coverages.

Inland Marine Insurance: Commercial property and BOP policies cover property situated at the premises described in the declarations, typically away from the businesses premises. This coverage is designed to protect movable property.

Builders Risk Insurance: This insurance covers a building in the course of construction, beginning when construction starts and ends when the project is completed so that your building is protected throughout every stage.

Crime Insurance: From employee theft coverage, computer fraud coverage, and money and securities coverage, this policy is designed to protect against losses.

Are you ready to receive quality, all—encompassing insurance for your business in Texas? Contact the Insurance Agency of Dean Davis in Austin to learn how you can safeguard your business!


Start Saving Money On Your Life Insurance With These Tips

Start Saving Money On Your Life Insurance With These Tips

Life Insurance Savings

Life insurance can be one of the most confusing insurance policies to buy. However, it is also one of the most important since it will provide financial coverage for your loved ones when you are gone. To start saving money on life insurance while protecting your family, take the time to compare these life insurance features.

  • Coverage options – not every life insurance company will offer the same policies with the same features. Getting quotes from various companies will help you decide which coverage options will work best for your needs.
  • Discounts – one o the best ways to save on your life insurance policy is to take advantage of all the discounts that you can qualify for. Different life insurance companies will offer different discounts, so talk with your insurance agent to find out which company will offer the best discounts for your specific situation.
  • Company reputation – one of the main deciding factors when choosing a life insurance policy should be the reputation of the company. A life insurance company with an unreliable reputation may lead to unpaid claims or a lack of coverage when needed. Look at the company’s rating with the Better Business Bureau and check customer reviews.
  • Lowest cost – if you find a few life insurance policies that meet all of your needs from reputable insurance companies, go with the one with the lowest cost. There is no reason that you should have to pay more for the same amount of coverage and options when you can get it for a lower price.

For help finding the right life insurance policy that will meet your needs, contact the Insurance Agency of Dean Davis in Austin, Texas. As an independent insurance company, we will work with you to make sure that you have the protection that you deserve, all at the right price to fit your budget.