{"id":2633,"date":"2011-11-16T22:16:38","date_gmt":"2011-11-17T04:16:38","guid":{"rendered":"https:\/\/www.unitedsecurityagency.com\/ins-wv\/?page_id=2633"},"modified":"2018-03-07T11:18:44","modified_gmt":"2018-03-07T17:18:44","slug":"commercial-tips","status":"publish","type":"page","link":"https:\/\/www.unitedsecurityagency.com\/ins-wv\/insurance\/knowledge-center\/commercial-tips\/","title":{"rendered":"Commercial Tips"},"content":{"rendered":"

Commercial Insurance Knowledge Center:<\/h2>\n

Click any of the following general topics to reveal all the helpful details.
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Disclaimer:<\/strong> Statements on this website provide general information only as it relates to policies and coverages. All coverages are subject to the terms, conditions and exclusions of the actual policy issued. Contact one of our licensed agents for questions regarding your specific needs and policy.<\/p>\n<\/p><\/div>\n

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INLAND MARINE<\/h2>\n
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Inland Marine Insurance For Your Business<\/p>\n

If you move goods or equipment from one location to another, or have an off-premises exposure, you need the special protection of Inland Marine coverage. Inland Marine can protect many types of property including property at your location, in transit, at a customer’s location, or property of others in your care.<\/p>\n

Inland Marine coverages can include:<\/p>\n

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  • Accounts Receivable<\/li>\n
  • Boat Dealers and Marina Operators<\/li>\n
  • Builders Risk and Installation<\/li>\n
  • Camera and Musical Instrument Dealers<\/li>\n
  • Contractors Equipment and Tools<\/li>\n
  • Electronic Data Processing Equipment<\/li>\n
  • Equipment Dealers<\/li>\n
  • Exhibition<\/li>\n
  • Fine Arts<\/li>\n
  • Merchants Property<\/li>\n
  • Mobile Communication Equipment<\/li>\n
  • Motor Truck Cargo Carriers<\/li>\n
  • Physicians and Surgeons Equipment<\/li>\n
  • Radio and TV Towers<\/li>\n
  • Salespersons Samples<\/li>\n
  • Signs<\/li>\n
  • Transportation<\/li>\n
  • Valuable Papers<\/li>\n<\/ul>\n\n<\/div>

    PROPERTY INSURANCE<\/h2>\n
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    Property Insurance For Your Business<\/p>\n

    We offer a variety of excellent property coverages for your business’ buildings, personal property, and income. Most property policies include additional coverage at no charge that provides higher coverage limits than most standard policies, in addition to extra coverages normally not found.<\/p>\n

    Property coverages can include:<\/p>\n

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    • Newly Acquired Property and Business Personal Property<\/li>\n
    • Property Off-Premises<\/li>\n
    • Outdoor Property and Outdoor Signs attached to Buildings<\/li>\n
    • Lawn Coverage on which your property is located<\/li>\n
    • Arson Reward information leading to an arrest<\/li>\n
    • Extra Expenses incurred to keep your business running after an insured loss<\/li>\n
    • Water Back-up and Overflow from sewers, drains or sumps<\/li>\n
    • Money and Securities<\/li>\n<\/ul>\n\n<\/div>

      LIABILITY<\/h2>\n
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      General Liability Insurance For Your Business<\/p>\n

      You must protect your customers from potential injury \u2014 your financial security can be put at risk if you are legally liable for damage to someone’s property or if someone is injured as a result of your business operation.<\/p>\n

      Liability coverages often include:<\/p>\n

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      • Tenants’ property damage liability<\/li>\n
      • Medical Payments<\/li>\n
      • Expanded Fire Damage coverage<\/li>\n
      • Additional insured status when required by written contract<\/li>\n
      • Extended Property Damage coverage<\/li>\n
      • Additional insured status for employees providing professional health services<\/li>\n<\/ul>\n

        Umbrella Liability Insurance For Your Business<\/p>\n

        Umbrella policies offer additional protection for catastrophes, unusual exposures, and additional liability limits beyond underlying insurance coverages.<\/p>\n

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        • High limits<\/strong> \u2014 Affordable protection of $1,000,000 or more for each occurrence in excess of the underlying insurance.<\/li>\n
        • Broad coverage<\/strong> \u2014 Protection goes beyond the scope of coverage provided by the underlying insurance.<\/li>\n
        • Legal costs in addition to limits<\/strong> \u2014 Legal defense costs are covered in addition to the umbrella limits of liability.<\/li>\n
        • Legal defense from the first dollar<\/strong> \u2014 If the underlying policy does not provide this protection, legal defense and settlement costs are covered from the first dollar.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n