Do you own a business in West Virginia? It's high time you started thinking about how you can protect it. One of the ways you can do that is by getting commercial insurance. But first, Pinnacle Risk Advisors LLC, serving West Virginia, would like you to understand your commercial insurance options.
This type of insurance protects your assets, including the physical structure of the building, machinery, inventory, and equipment, from various perils like fire and theft. When getting this type of insurance, create a checklist and note down every property in your business to ensure you buy a policy right for your needs.
Business interruption insurance is also known as business income insurance. It is handy when your business operations are interrupted because of property damage. The policy will replace your lost income for the period you had to shut down your business.
Liability insurance protects you from certain liabilities. For instance, if someone is injured on your premises or by your equipment, this coverage can pay for the resulting medical bills. It also protects you from liability if a customer's property is damaged at your workplace.
The BOP combines commercial property insurance and general liability insurance into one policy. It's ideal for small businesses and covers you from claims resulting from risks like fire. It also offers protection against bodily injury and property damage claims.
This type of business insurance offers your workers financial coverage in case they become sick, injured, or disabled due to a work-related accident.
You may wonder which coverage is right for your West Virginia business with the various options available. Don't worry, as Pinnacle Risk Advisors LLC has got you covered. Visit us today, and our agents will discuss with you your insurance needs.