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We make your business a priority. Like you, we are business owners. At IGT Insurance Professionals, our agents are equipped with the firsthand knowledge and experience you want in a business insurance agent. insurance company
As a business owner, you face a variety of unique challenges and circumstances. Having secure, personalized business insurance offers invaluable protection and peace of mind. Talk to a certified agent today about what kind of coverage can help protect your valuable assets. Our goal is to provide peace of mind at an affordable price.
One type of property insurance is referred to as “perils coverage.” “Perils” are the types of losses or events that your insurance covers. These will be specific perils, which will be listed on your policy.
There are three levels of this type of coverage: basic, broad, and special form. Not every commercial property policy covers the same perils. The type of policy you choose depends on your specific needs. Below is a breakdown of the perils commonly included within each category:
A problem you may face with this type of policy is if an event occurs outside of the named perils. For example, if theft is not listed and someone breaks into your building, stealing your computers, there is no coverage. This means you must pay out-of-pocket to replace your computers.
Depending on where your business is located, you may need earthquake or flood coverage. These two perils are generally not included in a named perils policy, but they can be added via a rider or endorsement*.
*A basic insurance policy can have additional coverage added to it, which is above the base policy plan. This additional coverage is called an “insurance rider.” It is also referred to as a “floater” or an “endorsement.” A rider must be attached to a standard insurance policy because a rider is not a standalone insurance product. A rider might also be referred to as “perils policies.”
A Business Owners Policy (BOP) is specifically designed for business owners and covers the unique needs a business owner may face. IGT Insurance Professionals understands that no two businesses are alike, which is why we offer unique BOP packages.
If drafting a BOP by yourself, you have to start by creating a list of all the different things, people, and events that you need to cover. Hours can be spent creating this list. Would you like to save those hours? Perhaps you could spend that time with your family or on your business? We can save you that time!
At IGT Insurance Professionals, we live and breathe commercial insurance. We have checklists that can easily guide you through the coverage you need for your business.
You can do the research on your own or you can save yourself the hassle and make an appointment to discuss your needs with us. Our goal is to provide peace of mind at an affordable price.
You take pride in your home, and you should—you worked hard for it! Now be sure that you can replace your residence if anything devastating should transpire. The quickest and most reliable way to ensure full coverage on your dwelling is to set up an appointment with IGT Insurance Professionals.
Marine insurance involves a lot of thought about what you need covered. Your contents within a watercraft, art, guests, employees, docks, terminals, mechanical, acts of nature—all of this can be protected with marine insurance. It is in your best interest, and in the interest of all that you do, to have the policy that is right for you.
Owning a business today means that you can be held liable for virtually anything and everything. This is even more true in the hospitality industry, where businesses can be named lawsuits for incidents that occurred off the premises or were only vaguely connected to the actual establishment.