Taking the time to determine how best to safeguard businesses against the day-to-day exposures they face along with protecting against potentially unforeseen incidents and events is what we offer our clients at Mountainside Insurance Management. We get to know your business and operation as well as your current and future goals and plans to determine what type of policies you require to help grow and expand your company.
For businesses that qualify, we can provide a Business Owners Policy (BOP), which offers essential commercial coverages bundled into a single policy at a competitive price. This includes Commercial Property and Commercial General Liability insurance to protect your building (if you own it) and business personal contents against various perils including fire and theft, and your assets. You’ll also be protected in the event of a business interruption and equipment breakdown.
Options for further coverage may include protection for improvements you have made to a space you lease, your outdoor signage or other items, employee crime, money and securities, specialty equipment and special liability risks your business faces, such as food-borne illness, product recall, liquor liability and others. It all depends on your business sector, the risks you face, and the coverage you require to address your exposures.
At Mountainside, we’ll also review whether you also need additional coverages that go beyond what a BOP policy offers. For example, companies with owned vehicles need Commercial Auto insurance, contractors require Inland Marine insurance for transported tools and equipment not covered by the standard wording in a policy; and Flood insurance will cover your building and contents in the event of a loss.