Get the commercial insurance answers you need.

While you might be an expert when it comes to your business, the same isn’t necessarily true when it comes to your business’s insurance coverage.  If you need help understanding your commercial insurance, then work with an experienced insurance agency in Ventura, California.  Here are some of the important business insurance questions to ask your agent.

  • What types of insurance do small business owners need?

Generally, general liability, commercial property, and workers compensation are the most basic business insurance options.  However, your business will need more coverage than these base policies can offer.  Your coverage needs will differ depending on the type of business you operate.  Your business’s location will also affect your coverage needs.  So, speak to a qualified agent to ensure that you have the comprehensive commercial coverage that your business needs.

  • What do my policies cover?

Once your agent helps you create a custom insurance solution for your business, you need to understand your coverage.  Make sure you know your various coverage limits and covered perils.  This way, you know what your insurance will cover in the event of an emergency.

  • What are my insurance exclusions?

Every commercial insurance policy comes with coverage exclusions.  To ensure that a policy exclusion doesn’t take you by surprise, it’s important to ask about everything that your policies do not cover.  If you need protection for something that’s excluded from your existing policies, then you need to speak to your insurance agent about supplemental coverage options.

These are some of the important business insurance questions to ask your agent.  Looking for an insurance agency in Ventura, California, that you can trust?  Then contact the experts at John E. Peakes Insurance Agency.  Our dedicated team is eager to assist you with all your business insurance needs today.

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