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Category: Commercial Insurance

Do Fully Remote Businesses Need Commercial Insurance?

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Starting your own business can be a great way to take control over your career path and gain more independence in your financial life. However, it also comes with a considerable amount of planning to ensure that everything goes as smoothly as possible. One major consideration when starting your own business is which insurance policies you will need. But let’s imagine you have a non-traditional business, like one that operates fully remote. Do you still need commercial insurance without the same risks that come with operating a brick-and-mortar business? Here’s why you still need insurance and why you should come to us at Max Insurance LLC, serving Des Moines, IA. 

Do Fully Remote Businesses Still Need Commercial Insurance? 

Commercial insurance is a very broad term that encompasses a wide range of different types of insurance designed to provide businesses with various forms of coverage. While you may not require certain types as a remote business owner, there are absolutely other types of commercial insurance that your remote business demands. This can include commercial insurance such as workers compensation, cyber insurance (to protect from hacks, loss of data, and more), and even product liability insurance, if you operate a business that sells physical goods that could potentially result in injury (think online candle businesses). No matter what type of business you operate, fully remote or otherwise, it’s imperative that you have commercial insurance to properly protect your business from costly developments. 

Keep Your Business Operational With Max Insurance LLC

Here at Max Insurance LLC, serving Des Moines, IA, we can help you find all of the necessary commercial insurance policies to protect your remote business from costly lawsuits, cyber attacks, and other common threats. No matter where you are, you can come to us for help securing commercial insurance. Give us a call today.

Starting a New Business? Get Answers to the Commercial Insurance Questions You Have

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Starting a business is an exciting venture, but it also comes with many questions about how to protect your new endeavor. Commercial insurance often confuses new business owners because it’s vastly different from personal coverage. You need the right protection from day one, but figuring out what that entails can feel overwhelming. Max Insurance LLC, serving Des Moines, IA, helps new entrepreneurs understand their commercial insurance options.

What Types of Coverage Do New Businesses Need?

Most businesses require general liability insurance to protect against customer injuries and property damage claims. Professional liability coverage is essential if you provide services or advice to clients. Workers’ compensation is typically mandated by law once you hire employees. Property insurance safeguards your business equipment, inventory, and supplies from theft or damage. Additionally, some businesses may need commercial auto insurance if vehicles are used for work purposes. The specific coverage you need depends on your industry and business activities.

How Much Does Commercial Insurance Cost?

Insurance costs vary significantly based on your business type, location, and coverage limits. For example, a small consulting firm pays much less than a construction company due to differing risk levels. Most new businesses can secure basic coverage for a few hundred dollars per year. However, businesses with higher liability exposure may pay thousands annually. Obtaining quotes from multiple insurers can help you find the best rates.

When Should You Buy Coverage?

Purchase commercial insurance before officially opening your business or signing your first client contract. Some business licenses require proof of insurance for approval. Waiting until after an incident occurs is too late and could result in devastating financial losses.

Making Smart Insurance Decisions

Don’t leave your new business unprotected. Contact Max Insurance LLC, serving Des Moines, IA, today to discuss your commercial insurance needs.

How to Protect Your Business from Vandalism and Fires in Des Moines

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As a business owner in Des Moines, IA, protecting your investment requires the right insurance policies and coverage. Whether you’re operating in the East Village or downtown, fire and vandalism are real concerns that can have devastating consequences. At Max Insurance LLC, we help business owners find the right insurance policies with adequate coverage to maintain peace of mind year-round without the hassle.

Understanding Vandalism and Fire Risks in Iowa

Every business faces inherent risks of fire or vandalism, even with the best security and fire prevention systems in place. Here are a few tips to help protect your business from potential vandalism incidents:

  • Install security signage outside your business to deter potential criminals.
  • Utilize security lighting in conjunction with your surveillance camera setup.
  • Invest in shatter-resistant glass for your storefront.
  • Keep your property’s exterior tidy and well-lit to reduce the risk of becoming a target.

Protecting your business from fire is equally important. Consider these tips to safeguard your investment from fire risks:

  • Install a sprinkler system that complies with local codes.
  • Routinely inspect wiring and HVAC systems to ensure proper installation and eliminate hazards.
  • Invest in commercial-grade fire extinguishers for your business.
  • Store flammable materials securely and adequately.

Even with adequate preparation, there’s no guarantee you’ll never experience vandalism or a fire as a business owner. Whether you own a local retail shop, bakery, or manage multiple warehouses, protecting your investment with the right insurance policy is essential. At Max Insurance LLC, we work with a variety of business owners to ensure their investments are always protected and cared for in any event. To learn more about insurance for your business in Des Moines, IA, contact us today.

Does Commercial Insurance Cover Tornado Damage?

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Residing in Des Moines, IA, means being part of a close-knit community where locals care about each other’s health and well-being. It also means understanding that violent windstorms can develop suddenly, making it essential for local businesses to have emergency plans in place for tornado outbreaks and windstorms.

Discover how local business owners protect their buildings’ inventory, employees, and operations from the devastating effects of tornadoes with Max Insurance LLC.

Shield Your Des Moines Business from Tornadoes and Natural Disasters

Developing an emergency preparedness plan is the first step towards safeguarding your business from high winds and flying debris. You and your employees should know and follow this plan before disaster strikes.

Designate safety areas, conduct regular tornado safety drills, and create an evacuation plan with designated first responders.

Take additional precautionary measures, such as reinforcing doors and windows and choosing business locations with built-in storm cellars or safe rooms where employees can seek shelter during emergencies.

Investing in a commercial insurance policy with comprehensive coverage for wind, natural disasters, and flood damage can help reduce out-of-pocket expenses if business operations are affected by spring twisters, thereby protecting your personal finances and livelihood.

Secure a Comprehensive Commercial Insurance Quote in Des Moines, IA

Speak with a trusted local commercial insurance agent to learn about the features and benefits of comprehensive insurance for business owners. This can include financial coverage for property damage, windstorm damage, and business interruption insurance to replace lost wages and income in the event of a shutdown.

Contact Max Insurance LLC in Des Moines to learn more about the benefits of commercial insurance and get a customized quote tailored to your business needs.

Commercial Insurance Consultations: Finding Out Which Policy Options Your Des Moines, IA, Business Needs

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With over 25 common types of commercial insurance, it can be challenging for a new business owner to decide which ones the company needs. A commercial insurance consultation with a Max Insurance LLC agent can help reveal the right policy options. The agent interviews the business owner to determine the insurance needs and then creates a custom policy based on the findings.

Understanding Insurance Consultations

As a new business owner, you might have read many articles online about analyzing and prioritizing your risks. If you’re launching your first company, you might not fully understand what that means, and that’s okay. In Des Moines, you can call our insurance firm and schedule a commercial insurance consultation. During this appointment, which can be conducted in person, on Zoom, or over the phone, we’ll ask you a few questions about your business and use these to recommend insurance coverage for it.

Legally Required Commercial Policies

Every state, including Iowa, has a list of commercial insurance policies that every business must purchase. The most essential include liability coverage, commercial auto, and worker’s compensation. We’ll inform you about the policies the state requires you to buy so you remain in compliance with the law. Some industries, such as construction, require a type of bond insurance.

Questions We Ask During the Interview

Your insurance agent starts by asking what type of business you operate. This determines your industry. For example, a plumber falls into the construction category, while a pizza restaurant that delivers falls into the category of food service and hospitality. We’ll also inquire about your location, including its address, whether you rent or own it, and if other companies operate from it, too.

You’ll need to be able to answer questions about how many employees you hire if you maintain inventory on-site or off-site, and about your business equipment. We’ll also ask what security measures you take at your business location, such as alarm and camera systems, security guards, etc.

Contact Us Today

Don’t get caught by the state of Iowa operating your business without proper insurance. Let Max Insurance LLC help you properly insure your Des Moines, IA, company. Contact us today to schedule your commercial insurance consultation.

Document Essentials for a Commercial Insurance Claim

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Proper documentation is crucial when filing a commercial insurance claim. You should maintain careful records of certain things, which you can then submit to your insurance provider.

Conducting a Preliminary Assessment

In the aftermath of theft or damage at your business premises, it’s essential to carry out a preliminary assessment of your property. This evaluation helps to gauge the gravity of the incident.

The data you gather can be instrumental in backing up your insurance claim. Record the details of the incident, including the time it happened, who was present, and what was witnessed.

Furthermore, it attempts to pinpoint what led to the incident. Even if you’re uncertain about what transpired, discerning whether it was a weather-related phenomenon or due to criminal activity could be helpful when filing your insurance claim.

Gathering Supporting Evidence

Photographs or videos depicting the state of your business can be valuable. Capture images or footage as soon as possible after the occurrence. An insurance adjuster may take pictures or videos alongside your material during the inspection.

Preserve the scene of the incident while gathering supporting evidence. Do not alter the site where the theft or damage took place.

Filing a Police Report

When criminal activity occurs on your business premises, it’s imperative to notify the local authorities. Police personnel will visit your site and create a report.

This report can prove to be crucial when your claim is evaluated. It will comprise key details that describe what happened at your place of business.

Getting Further Assistance

Our knowledgeable agents at Max Insurance LLC can help you file your commercial insurance claim. Contact our agents serving Des Moines, IA, for professional assistance.

Does Your Commercial Insurance Cover Vandalism and Breakins?

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Yes, commercial insurance usually pays for damage due to vandalism and break-ins. That is if you include it in your commercial property policy. Sometimes, it’s written into specific endorsements. If you want to make sure you’re covered for broken windows and doors after a break-in or graffiti or property damage due to vandalism, we can help. At Max Insurance LLC in Des Moines, IA, our agents are ready to answer any questions you have regarding your commercial insurance.

What Is Commercial Insurance?

Commercial insurance protects businesses against covered losses such as lawsuits, accidents, and natural disasters. Vandalism and break-ins are covered under a specific part of your commercial insurance policy. Our team can help you determine if you have enough coverage to meet the risk to your business.

Coverage Type

Vandalism and break-ins occur more often in urban areas than rural ones. So, location plays a major role in the type of coverage you’ll need. Crime endorsements, vandalism, and malicious mischief riders come with many standard commercial property policies. Speak to your agent to determine if you’re covered for these unfortunate events.

Specific Losses Covered

Review your policy or make an appointment with one of our agents to determine what specific losses are covered under your insurance. You’ll want to ensure your insurance company pays for replacement and reparation costs, so you won’t have to take it out of your profits.

Are You Covered Against Vandalism and Break-ins at Your Business?

Break-ins and vandalism can shake your confidence and threaten the security of your business. Call the police to file a report when you notice damage caused by these events. You should take pictures of the damage and talk to your agent as quickly as possible to discuss the next steps. Contact the team at Max Insurance LLC in Des Moines, IA to discuss your specific needs.

Cyber Liability Insurance: Protecting Your Business in the Digital Age

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In the modern business world, risk management is of primary concern. Businesses are becoming more dependent on the use of technology and data, which makes them vulnerable to cyber threats, i.e., data breaches, hacking, etc. Max Insurance LLC in Des Moines, IA area’s cyber liability insurance can protect businesses from cyber-related incidents.

Key Aspects of Cyber Liability Insurance

Cyber liability insurance offers businesses financial protection and support after a cyber event, which includes-

Data Breaches

  • Covers expenses associated with the notification of and credit monitoring services offered to those impacted by the data breach.
  • Assists in the management of any damage to the company’s reputation caused by the breach.

Business Interruption/ Data Restoration

  • Covers the loss of income loss (or additional expenses) due to business disruptions caused by a cyber event.
  • Covers costs related to restoring/recreating damaged/lost data.

Regulatory Violations/Fines

Helps to reimburse insured companies for fines/penalties imposed by regulatory authorities for non-compliance.

Cyber Extortion

Protection against extortion attempts caused by ransomware attacks, etc.

Cybercrime Coverage

  • Covers losses resulting from deceptive practices, like phishing attacks.
  • Protects against fraudulent transfer of funds from a cyber incident.

Legal Fees

Covers legal expenses should a third party sue a business due to a cyber event.

It’s crucial to understand –

  • Policy exclusions and limitations. Exclusions may include intentional and criminal acts, war, and certain types of data breaches.
  • Policy limits and deductibles.

Contact Us Today

As cyber threats evolve, it’s important to review your cyber liability insurance coverage to ensure the policy is effective against new/emerging risks. By working with an insurance professional at Max Insurance LLC, you are ready for unforeseen business challenges in Des Moines, IA. 

Does Commercial Insurance Cover Office Equipment?

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If you own a business, you likely need equipment to help perform daily tasks. Equipment can be a tremendous business asset, so you need the right insurance policy to protect those investments. If you would like to learn more about commercial insurance and what it can cover, you can trust the professionals at Max Insurance LLC to provide quality insurance products and customer service support to the residents of Des Moines, IA.

Commercial Insurance Protection 

The right insurance policy will cover your essential office equipment and other supplies, such as inventory. Getting the right insurance policy in place is the best way to prevent loss due to covered risks. If you need assistance finding out which policy options best meet your business needs, our insurance agents can help. We take the time to learn about each client’s situation and match them with policies that deliver the best protection. Once the customer chooses a policy, we collect the information necessary to secure the policy right away. We’ll also assist with any claims or changes the customer needs to make over the policy’s lifetime. We aim to provide the best customer service and insurance products, so business owners can have security and peace of mind.

Reach Out to Us Today

Having the right insurance policy is essential. We would love to assist you if you would like to learn more about commercial policy options. Please reach out to us today by calling or stopping by the office of Max Insurance LLC, serving the residents of Des Moines, IA. Don’t take chances with your business coverage. Get the professional support that our team of knowledgeable insurance agents can provide for you and your business.

Four commercial insurance details you shouldn’t overlook

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Business owners need to understand all the important details of their commercial insurance policy. Max Insurance LLC insures companies in Des Moines, IA. We can assist you with meeting your insurance needs.

The following are four commercial insurance details that you shouldn’t overlook:

Types of coverage your policy includes

When you buy commercial insurance, there are many types of coverage from which you’ll need to choose.

You must determine the insurance needs of your company to decide on which types of coverage to purchase. Basic commercial insurance policies typically include commercial liability coverage. You’ll also decide if you need coverage types like commercial property, commercial auto, workers’ compensation, and business interruption insurance. 

Comparing quotes

Getting quotes from different commercial insurance providers will help you to find competitive premiums. It’s important for you to work your premium costs into the budget. This will help you to manage the cash flow at your company. 

Coverage limits

As with most other types of insurance, commercial insurance will only cover you up to certain coverage limits. You’ll have the option to choose how much coverage you want to invest in.

The higher your coverage limits are, the more costly your commercial insurance will be. Ideally, you should have enough coverage to protect all of your company’s assets. 

Deductible costs

Make sure that the deductibles on your policy will be affordable for your company to pay in the event of a claim. You’ll need to pay the deductible amount before your commercial insurance kicks in and begin paying for additional expenses. 

Reach Out To Us

Do you need to insure your business in Des Moines, IA? Our commercial insurance policies can protect your livelihood and give you peace of mind. Get in touch with us at Max Insurance LLC for a policy quote.