Questions you should be asking your commercial insurer.

  As a business owner, you have a lot to juggle. You know you need commercial insurance, but you may not have the time to dedicate to learning all about the insurance industry and what policies seem right for you. This is why it's important to work with a commercial insurance agent who can guide you through the process and secure you the right coverage. When working with an agent, be sure to ask these important questions.   What type of commercial insurance do I need? This is an important question to ask your agent. Most companies need general liability, property insurance, workers' compensation. However, based on your business's specific needs, you may want to add more coverage. Your agent will be able to help you make the right decision for your individual situation.   Is commercial insurance necessary for me? Even if you're a small business with very few assets, commercial insurance is still valuable. If you have any property that is stolen, broken or damaged, property insurance helps offset the cost of replacing the items. What's more, business insurance offers more than just protection against material losses - the liability coverage provides protection against a variety of issues, including lawsuits from customers or clients, damages caused by you, and interrupted income.   How can I lower my premium? While you're looking for business insurance, be sure to ask your agent about the different ways you can lower your insurance premium. If your business already takes steps to reduce risk, then you may qualify for discounts. A great way to earn discounts is to train employees, install a security system, follow fire safety precautions, and bundle insurance policies together.   Ready to get started on your reliable business insurance? Contact Bell Black Insurance. Serving Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, and the neighboring communities in Idaho, as well as Jackson and Star Valley in Wyoming; we are ready to get you covered today.