Commercial Insurance Coverage Upgrades You May Need This Winter

Do your business operations fluctuate seasonally? If so, you may benefit from adding more coverage to your commercial insurance policy this winter. Review some areas of concern that may require more coverage.

Changes in Services Rendered

If your business offers deliveries and service calls, there may be an influx of customer requests during the winter. If you have noticed an increase in sales during the winter, you may need to add liability coverage to your insurance policy. In addition, you may want to insure the equipment, retail products, and other items you use and sell.

The insurance protection will cover you if you are involved in a lawsuit. It will also provide protection if any of your commercial equipment or retail merchandise is stolen or vandalized.

Modifications to Your Building Layout

Do you plan on using space within your business for different purposes during the winter? Changes in how equipment will be set up or used may necessitate modifications to your existing policy. Each piece of equipment, furniture, or accessory that is going to be used in a different part of your building can be added to your commercial insurance plan.

Commercial insurance can also be used to protect new building materials used to make modifications to the layout of your business. The coverage will protect materials from natural disasters, theft, and vandalism.

Guidance From an Independent Agent at The Pivotal Insurance Agency LLC

Your insurance needs may fluctuate seasonally. You can change your commercial policy as needed. If you have questions or concerns about your commercial insurance, one of our agents can assist you. Schedule a meeting with one of our agents serving the Louisa, VA, region.