Do I need commercial insurance yet?

Just starting a new business? Here’s what you need to consider before calling Curtis Miller Insurance:

• Do you have investors?

If you’re starting a small business in a home office in Parkersburg, WV, you might not need commercial insurance just yet. But, if you’re going into a new venture with some insurers who have helped you to build your storefront or rent some office space, then commercial insurance is a must to ensure that you’re covered and not left paying your investors out of pocket should something go wrong.

• Can you pay for damages out of pocket?

Some businesses have very low overhead. If your whole business is a camera and a laptop and you get to work in your personal car, commercial insurance might not be a requirement until you upgrade to a studio and a company car. If you’re primarily selling your abilities as a freelancer, then the real goods are the years you spent training and learning your craft.

• Do you have a physical location?

If the answer to this is yes, and the physical location is not covered by your home insurance, then it’s time to look into commercial coverage. Commercial insurance is intended to cover all the physical assets involved in your work, so if you have some valuable physical assets, and they’re not covered by any insurance policy you’re already holding, then it’s time to give Curtis Miller Insurance a call.

The good news is that commercial insurance in Parkersburg, WV isn’t as pricey as you might expect. Get a quote and see for yourself. Not everyone who runs a business needs a commercial policy, but if you do, you don’t want to go a day without it.