Commercial insurance is an umbrella term that encompasses a wide range of policies geared toward the needs of businesses. There isn’t just one commercial insurance policy that fully covers a business. You need several policies, many of which you’ve already likely heard of, such as commercial liability insurance, commercial auto insurance, and even workers’ comp. But while you’ll easily find resources mentioning the same kind of commercial insurance types your business needs, you might be looking for less-mentioned insurance policies that give your business the full coverage it demands. Here are a few lesser-known commercial insurance policies to take advantage of, as well as why you should come to us at HighPointe Insurance Services LLC in Overland Park, KS, for your commercial insurance needs.
Which Obscure Commercial Insurance Policies Could Support My Business?
Commercial insurance options are vast, but some of the lesser-known policies you might not have come across in your independent research include:
- Hired and Non-Owned Auto Liability: Do you ever send your employees on errands? Are they ever going around in their personal vehicle rather than a dedicated company vehicle? If so, hired and non-owned auto liability will cover them when they’re using a personal vehicle for some smaller business activities.
- Inland Marine Insurance: Whether your tools and equipment are on the move or being stored off-site, inland marine insurance covers you should they be subject to theft, damage, or vandalism.
- Equipment Breakdown Insurance: Business interruption insurance gives you coverage when your business is inoperable for whatever reason, but equipment breakdown insurance covers vital machinery when it fails, giving you the financial support you need to repair or replace it.
Discover Commercial Insurance With HighPointe Insurance Services LLC
As you can see from the above, there’s more to commercial insurance than the main handful of policies that you often see when looking at commercial coverage. Here at HighPointe Insurance Services LLC in Overland Park, KS, we’ll help you explore all of your options and get more insights into pricing so that you don’t have to do all the hard work on your own. Compare quotes with us today!
