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When you own a business you face risks every day. Having the right commercial insurance can help to provide the protection you need to survive if you are hit with a covered peril. But what type of perils does your business face? The type of business that you have determines the things that are a risk to you. That is where your independent insurance agent comes in. At Insurance Solutions LLC in Omaha, NE, we have a team of insurance experts who are able to do a risk assessment of your business and help you to create a commercial insurance plan that is perfect for you.

Types of commercial insurance most businesses can benefit from

Workers compensation

Workers compensation insurance is required in Nebraska. All employees must be covered. It doesn’t matter if they are full or part-time, temporary or seasonal. This is not only good for your employees, it is about you and your assets.

Commercial liability coverage

This isn’t required by the state but it should be. Your business is at risk of being sued from the minute you open your door. Having a lawyer is expensive and fighting a case against you can drain your business. Why take the risk? About one-third of all businesses are sued in any given year, which is a pretty big risk to take on.

Commercial property insurance

You may think you don’t need this because you are a renter. You are wrong. It covers so much more than just the building itself. No matter what type of business you have, you use things to operate it. These are the things that are covered by commercial property insurance. It can make a difference when you need to get back into business after your business is damaged.

Contact Insurance Solutions LLC in Omaha, NE when you are ready to protect your business with commercial insurance.

Home insurance doesn’t cover everything

As a new homeowner, you may think that you have total protection. That isn’t quite the case, and you could be in for quite a shock if you aren’t aware of the things that your home insurance doesn’t cover. Common exclusions include:

Flooding

Earthquake

Sinkholes

Owner neglect

Sewer backup

What kind of content coverage to choose

You have options when it comes to content coverage. Do you want to replace everything that you own, or do you have lots of things that you wouldn’t be bothered to replace? If you want to have everything you now have, you need to have replacement cost coverage, but if not, you can do with actual value coverage, which allows for depreciation.

How much liability insurance to have

Liability insurance protects you against legal action taken against you. It puts your assets at risk if your coverage is not high enough. What liability level you need depends on your assets. Talk to your insurance agent about the level that is right for you. If necessary, an umbrella policy can top off the liability coverage you have.

In Omaha, NE, Insurance Solutions LLC is here to offer you the service you require for home insurance.