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Are You a Business Owner? Protect It with Commercial Insurance

Do you live in Greensboro, NC? Are you a business owner? If so, do you have insurance to adequately protect your business? Glick Insurance can provide you with a quote to get your business securely insured.

As a business owner, you will probably agree that the most important part of a business operation is protecting it from financial loss. Many times, being adequately prepared for this loss can be the difference between being able to remain in business and having to close your doors.

The best thing you can do for your business is to avoid financial setbacks with a commercial insurance policy.

Businesses need insurance because it helps cover costs associated with liability claims and property damage. Without this coverage, business owners will have to pay out of pocket for any damages and legal claims against their business.

The federal government mandates that every business with employees has workers’ compensation, disability insurance, and unemployment. There is other coverage some states might require.

The most common types of commercial insurance are:

Commercial auto insurance – while some businesses will not require this coverage, it is particularly useful if the company relies on automobiles or other vehicles for business activities.

Workers compensation insurance – this mandated coverage provides wage replacement and medical benefits to employees in exchange for relinquishment of the employee’s right to sue the employer.

Business owner’s policy – this combines property and liability coverage into one policy.

Cyber liability insurance – this covers the cost of a business recovering from a virus, data breach, or other cyberattacks. It covers legal claims resulting from a breach. If a business stores sensitive data on an electronic device or on the cloud, it should have this coverage.

Give Us A Call

Our team of insurance experts at Glick Insurance in Greensboro, NC can provide a no-obligation quote or any questions you have regarding commercial insurance. Contact us today.

How to Improve Safety Culture in the Workplace

A strong safety culture in the workplace is essential to preventing accidents and injuries. While many companies have safety policies and procedures in place, there is always room for improvement. Here are some tips from Glick Insurance on improving the safety culture in your Greensboro, NC business.

How to Improve Safety Culture in the Workplace

What is a safety culture?

Safety culture in the workplace is a set of shared values, beliefs, and attitudes that support and encourage safe behavior. It includes having clear safety policies and procedures, providing training and resources on safety, and creating a system for reporting and investigating incidents. A strong safety culture can help prevent accidents and injuries and create a more positive and productive work environment.

How do you foster a safe culture?

The first step is to ensure that safety is a priority for everyone in the organization, from the top down. Leaders need to set the tone and lead by example. They should make it clear that safety is a core value of the organization and that everyone is responsible for promoting a safe work environment.

There should be open communication about safety concerns, and everyone should feel comfortable reporting hazards and near-misses. Regular safety meetings and training sessions should be held to ensure that everyone is up-to-date on the latest safety procedures.

Incentives can also be used to encourage employees to focus on safety. For example, businesses can offer rewards for employees who suggest new safety measures or go above and beyond to promote safety in the workplace.

Give Us A Call

As a business owner, you know that protecting your company is a top priority. That’s why you need the right commercial insurance policy from Glick Insurance in Greensboro, NC. We can help you find the right coverage for your business, including business liability. Contact us today to get started.

How Does Commercial Insurance Differ From Personal Insurance?

Commercial insurance protects your business against various commercial risks. You may have some commercial insurance needs similar to your personal insurance, such as homeowners’ or renters’. 

The insurance policies are tailored to suit the needs of businesses that operate in the marketplace. They are not one-size-fits-all policies, and they are quite different from personal insurance plans. If you live in Greensboro, NC, consult more from Glick Insurance. 

Commercial Insurance Versus Personal Insurance 

Commercial policies protect your business against financial loss due to unexpected events, just like personal insurance. However, commercial insurance is much more comprehensive, offering a range of benefits that most individuals won’t ever need. 

A commercial cover may take care of risks such as property damage, liability, workers’ compensation, etc. You may also consider purchasing cargo insurance if you ship and receive goods across state lines. Cargo insurance covers lost, stolen, damaged, or otherwise not received goods. 

In a nutshell, commercial insurance is designed to protect assets that are vital to a company’s business. Personal insurance protects individuals and their assets. As a company owner, you have crucial assets to your business. The assets can range from real estate to inventory to company computers. Commercial insurance can protect these assets from risk and financial loss if the unexpected happens. 

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Commercial insurance policies secure your business from financial loss if an insured event occurs. For example, let’s say you run a contracting company and have a team on-site to make repairs to a client’s property. One of your workers accidentally drops a piece of heavy equipment on his foot, breaking his toes. 

In an accident, your personal insurance caters for the medical expenses. If the accident makes the team unable to work for some time, the client is compensated for the delay in repairs. This loss is covered by the contracting company’s commercial insurance policy. Reach out to us at Glick Insurance in Greensboro, NC, for professional help and advice.

Why commercial insurance is good for your home business

Having your own business comes with a certain amount of risk. What that risk is, depends on the type of business you have. Choosing an independent insurance agent who has the experience to be able to help you decide what types of commercial insurance will protect you best is vital to the health of your business. In Greensboro, NC, Glick Insurance has a team of experienced agents who are ready to offer you the advice you require.

Home-based businesses now make up half of all businesses in the United States. It rises to sixty percent when it comes to businesses that have no employees. It does make sense, it is much easier to try out your entrepreneurial skills when you don’t have to worry about paying rent and utilities for a business location. But when you run your business from home, you need to handle your insurance as if it really is a business, not just a hobby. 

Commercial property insurance is something you should think about. Your home insurance might cover a few very basic things related to your business in the event of a covered peril damaging your home business, but it is not going to give you the amount of coverage you should have to cover everything you need to stay in business. 

Commercial liability is also a must if you are going to have anyone come to your home to do business. Your home insurance will not cover clients, customers, or vendors who visit your home for business purposes. 

If you use your personal auto to transact business, you should consider commercial auto insurance. Most policies won’t pay for the business use of a private vehicle. Keeping your business and personal financial responsibilities separate is good for both your business and your personal life.

Contact Glick Insurance in Greensboro, NC for all your commercial insurance needs.

What commercial insurance is required in North Carolina?

Owning a business of any size comes with risks. Some risks are common to almost any business, others are particular to certain types of business. Having an independent insurance agent who takes the time to understand what risk your business faces is important. At Glick Insurance in Greensboro, NC, we take pride in providing our clients with the finest possible customer service. We understand commercial insurance and we will make suggestions about the right insurance for your business. 

Commercial auto insurance

Your business needs to cover any vehicles it owns with commercial auto insurance. The required amount is 30/60/25. That is $30,000 for the first injury in an accident with a total for any single accident of $60,000. Property damage is covered by up to $25,000. 

Workers compensation insurance 

Workers compensation is required for employers with 3 or more employees. Nearly 100,000 non-fatal work injuries are reported every year in North Carolina. Workers’ compensation insurance protects both employers and employees. 

While these are the mandated commercial insurance, your business can benefit from some that are not required, 

Commercial property insurance

You can’t operate your business if you lose the things you need to do business, including your location. Property insurance covers all the things you need, like machinery, office equipment, inventory, raw materials, in addition to the physical building. 

Commercial liability insurance

Businesses are vulnerable to being sued. Small businesses are particularly vulnerable, with as many as 50% getting sued in any given year. Commercial liability insurance can help your business weather legal action against it. 

Business interruption insurance

When adversity hits, your business may not be able to operate. You still need income if you are going to survive. This insurance supplies the cash you need to pay your bills and make your payroll. 

Contact Glick Insurance in Greensboro, NC with your commercial insurance questions and needs. 

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