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Windsor Heights, IA 50324

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What Are Some of the Most Common Types of Commercial Insurance Products?

At Max Insurance LLC, serving the greater Des Moines, IA area, we have had many small business owners approach us with questions pertaining to commercial insurance. It is not uncommon for business owners to think that one commercial insurance policy will meet all of their business needs. However, the term commercial insurance refers to many insurance products, not just one.

Here are a few of the most common types of commercial insurance products:

Commercial Property Insurance

One of the most common types of commercial insurance products is commercial property insurance. If you own a commercial property, you should have commercial property insurance. This type of insurance is pretty similar to home insurance, except for the obvious that it applies to a commercial building and not a home. 

Commercial Auto Insurance

Another common type of commercial insurance product is commercial auto insurance. If you own one or more vehicles that are used for commercial or business reasons, you need to purchase commercial auto insurance. Just like standard insurance, there are different types of commercial auto insurance, including comprehensive and collision.

Business Interruption Insurance

The final common type of commercial insurance product that is sold is business interruption insurance. There are many reasons why your business may be interrupted, including a burst pipe in your building, a natural disaster, or a health pandemic. If your business has to shut down, business interruption insurance helps to provide money so you can continue paying your employees, your rent, and other bills your business may have when your business is forced to be closed. 

Contact Us Today

Every business is different, and as such, the insurance products that one company may need can vary from the insurance products that another company may need. Here at Max Insurance LLC, we can help Des Moines, IA business owners find the best commercial insurance products for their needs. Call or email us to learn more or to obtain new commercial insurance policies. 

Commercial Insurance Basics

If you are a business owner in the greater Des Moines, IA community, it is imperative that you have proper insurance in place. Commercial insurance provides protection to you, your employees, and your customers. At Max Insurance LLC we can help you find the perfect policy. Keep reading to learn more. 

Do I Need Commercial Insurance?

Yes, if you are a business owner, you will need certain types of insurance in place. A commercial insurance policy will bundle these insurance coverages together to make your life easier. 

What If I Don’t Have Insurance?

If you do not have commercial insurance in place, you risk your company. Certain types of events could devastate your business financially. These include property damage, property loss, employee injuries, customer liability lawsuits, and more. Any of these events could result in huge expenses and even legal actions against your business. 

A solid commercial insurance policy can protect you from these types of expenses and risks. 

What Does Commercial Insurance Cover?

Commercial insurance will provide coverage in the following areas:

  • Property damage– If your property is damaged or lost due to fire, natural disasters, or burglary, the insurance policy will pay for repairs. If you do not have insurance in place, these expenses fall to you. 
  • Liability coverage is very important if you want to protect yourself from legal actions. If an employee or customer is hurt because of your goods or services or on your property, they can take legal action against you. This can get expensive. Liability insurance can help pay for these types of expenses. 

Get Commercial Insurance Today

If you would like to learn more about our services, please contact us at Max Insurance LLC, serving Des Moines, IA and the surrounding areas. We will be happy to help you.  

What is a business owner’s policy?

When you contact Max Insurance LLC about commercial insurance policies for your Des Moines, IA business, you can handily obtain the four most necessary policies in one fell swoop with a business owner’s policy (BOP).

What is a business owner’s policy?

So, what’s in a BOP? It contains coverage for:

  • business interruption,
  • peril,
  • property damage,
  • liability.

How They Work Together

Liability insurance does its own thing. It protects your business from financial loss caused by an accident that injures any person on your business property. When an injury occurs at your place of business, you assume responsibility for it. Carrying insurance can often help you avoid going to court because the injured can file a claim and receive compensation directly from your insurance company.

While liability functions on its own, many businesses need to use the other three policies in a BOP all at once. When a named peril, such as fire or tornado, occurs, the peril insurance kicks in and pays for structural damage caused by the peril.

This typically means the business also incurs property damage, since if a tornado rips off your roof, your office equipment gets exposed to rain and wind. This component of the BOP pays for the replacement of the equipment, office furniture, etc.

The business interruption policy reimburses your business for the days or weeks it must close due to the structural damage and lack of equipment. This coverage lets you continue to pay your employees and yourself.

Contact Us Today to Purchase Your BOP

Let Max Insurance LLC help you protect your Des Moines, IA business from loss. Contact us today about obtaining a BOP for your small business.

How To Know If I Need Professional Liability Insurance For My Business?

If you own a small business where your primary revenue is generated by offering a service, displeased clients can cause irreparable harm. Luckily, you can protect your livelihood with professional liability insurance. In short, professional liability insurance – or Errors and Omissions (E & O) – protects your business from the costs tied to a lawsuit by a client alleging shoddy work.

Benefits of Professional Liability Insurance 

If your client or customer believes that your negligence directly led to financial harm, they can take legal action against you and your business to recover from their losses. Consequently, professional liability insurance covers the following types of work-related issues:

  • Missed deadlines
  • Undelivered services
  • Budget overages
  • Work errors
  • Breach of contract
  • Negligence

Depending on the type of business you own – such as lawyers, doctors, or other medical professionals – you may be required to have professional liability coverage. At Max Insurance LLC in Des Moines, IA, we can help you understand your options and answer regulatory requirement questions.

Your commercial insurance policy likely includes general liability insurance, which may leave you wondering when additional professional liability coverage is needed. The short answer is that your general liability insurance policy covers you and your business from third-party claims such as bodily injury, property damage, and product liability. In addition to professional liability insurance, small businesses in Des Moines, IA and throughout the state are legally required to have commercial auto insurance on all business-owned vehicles and workers’ compensation injury if they employ one or more individuals. 

Contact Us Today

To learn more about commercial insurance and how it can help safeguard your business, give the professionals at Max Insurance LLC a call to schedule a no obligations consultation with a friendly and knowledgeable member of our team. 


How commercial insurance can save your small business

Small businesses make up 99 % of all businesses. A small business is defined as one with less than 100 employees. The reality is that most small businesses have 5 employees or fewer. When you are a small business owner, it doesn’t take too much to derail your business and force you to close your doors. Having the right commercial insurance can offer you the protection that you need to survive. At Max Insurance LLC in Des Moines, IA, we make it our business to know your business and recommend the best coverage for your business. 

Trying to keep your business thriving is not easy. If you get hit with a major hazard like a fire or busted pipe, it can put you out of business temporarily. If you don’t have commercial property insurance to help repair or replace your equipment, it can become permanent. Even if you are a renter, there are lots of ways this insurance can help keep your business going. It protects all the things you need to do business, like tools, machines, inventory, raw materials, and office equipment. 

Commercial liability insurance protects your business in the event you are sued. Since about half of all businesses will be sued in any given year, your chances are pretty high that you will be sued at some point. Insurance will pay for the legal fees and the judgment up to the limit of your policy. If you don’t have this insurance, you will be liable for the money and it may cause your business to close its doors. 

Business interruption insurance can be a real business saver. It supplies the money that you need to operate if you can’t be open. Your bills don’t stop just because your income does. While it doesn’t cover everything eventuality, it does cover many. Read your policy. 

Contact Max Insurance LLC in Des Moines, IA for business insurance information. 

Is Commercial Insurance A Necessity?

Max Insurance LLC provides commercial insurance to Des Moines IA residents. We strive to serve our community with ultimate passion and integrity. Initiating a business entity in Des Moines, IA can be frustrating and comes with inherent risks. However, splendid commercial insurance from Max Insurance LLC will simplify the running of your business and offer security against losses arising from things like damage to property or injury to workers. In addition, commercial insurance gets fashioned to help businesses to remain cushioned against prevailing incertitude. 

Is commercial insurance mandatory in Iowa?

Just like many states, commercial insurance is not mandatory in Iowa. Additionally, Iowa requires businesses to carry workers’ comp insurance if it employs one or more workers. It safeguards employees who sustain injuries or get sick on their working premises. Acquiring salient commercial insurance is necessary for your business for the following reasons:

It’s a legal requirement.

Many states, including Iowa, require small businesses to maintain workers’ comp insurance if a business entity possesses more than one employee.

Protection of employees

 If your workers suffer injuries or get sick while working on your business premises, the workers’ comp can protect them. This coverage helps cater to your worker’s medical attention if they sustain an injury or contract an ailment.

Protection of assets

Commercial insurance is a formidable option that can guarantee to safeguard a business’s assets. Many business ventures own valuable fixtures and equipment that are expensive to replace. When disasters strike and damage or your assets get burglarized, a commercial insurance policy will provide you with the coverage you need to replace your assets. Property insurance guards your inventory and office content no matter what transpires.

Liability protection

When you sell a particular product or offer a service in your business, you are venturing into a specific form of liability. If a customer gets injured when at your place of business, you are likely to be held responsible. General liability coverage caters to slander and copyright infringement lawsuits and other potentially devastating issues.

At Max Insurance LLC, we do our best to ensure that our clients are safeguarded with affordable and sufficient coverages. Additionally, we go the extra mile to help you with your insurance needs. To be educated today on getting spectacular commercial insurance, call or visit our offices in Des Moines, IA.