\tA standard home policy in West Hartford, Connecticut will protect your home from damage to the structure from perils such as fire, golf-ball sized hail and even a tornado. Home liability covers you in case someone is injured or has their personal property destroyed while on your premises. The same is true when you buy business insurance. If you have a business, there are many different types of business insurance you might want or need to have.<\/p>\n
\tFor instance, you could buy a general business liability policy that protects you against liability claims from customers or others who may be injured while walking in your store or falling outside in your parking lot. You can buy commercial insurance that will compensate you for the loss of a key employee and one called errors and omissions if you run a service business like a law or accounting office. Other commercial insurance policies include general liability and product liability.<\/p>\n
\tIf you want protection against loss from a fire, hurricane or tornado, you need to have commercial property insurance. Property insurance is a broad category that covers everything from loss due to fire, smoke and hail storms to lost income computers and even money.<\/p>\n
\tThere are two distinct types of property insurance policies you can buy for your business. The first is an all-risk policy which covers all perils except those specifically excluded. The second is peril-specific, which only covers named perils. While the first type of coverage is broader and covers many different types of losses, a peril-specific property insurance policy covers a particular event like a fire, flood or tornado. Both types of policies are good, but if you are only concerned about fire and smoke damage, the specific policy is less expensive than the all-risk policy.<\/p>\n
\tIf you are trying to figure out what kind of business insurance you need, give us a shout and talk to an independent agent who can access your business and set you up with a policy that protects at a price you can afford.<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"
A standard home policy in West Hartford, Connecticut will protect your home from damage to the structure from perils such as fire, golf-ball sized hail and even a tornado. Home liability covers you in case someone is injured or has their personal property destroyed while on your premises. The same is true when you buy […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[76],"tags":[],"class_list":["post-91","post","type-post","status-publish","format-standard","hentry","category-commerical-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t