How Does Commercial Insurance Protect Your Business?

As a small business owner, you face risks daily that can cause setbacks to your enterprise. Knowing how to handle these risks is essential to the success of your business. Through commercial insurance coverage, you can not only protect a new business but help it expand and grow. Here are just a few of the many ways commercial insurance from Alliance Insurance Partners in Scottsdale, AZ can benefit your business.

General Liability Coverage

General liability insurance protects you against lawsuits in the event a customer suffers injury or property damage due to services or products your company provides. If a customer experiences accidental injury or property damage on your business property, liability coverage will foot the bill for expenses incurred and cover the legal expenses of a lawsuit if it should arise.

Business Property Coverage

If your property, equipment, or goods suffer damage or loss, business property coverage can help cover repair or replacement costs, protecting you from financial loss.

Business Interruption

Business interruption coverage kicks in when you have to close down your business temporarily due to a disaster that causes severe damage to your property. This coverage can help cover lost income, employee wages, rent payments, and the expenses of relocating to a new location while your old one is being repaired. This financial compensation can help you move forward.

Commercial Auto Coverage

If your business uses company vehicles for transporting products or people, commercial auto coverage can protect your drivers and business vehicles in the event of an accident. Commercial auto covers damage to your company’s vehicles and damages or injuries sustained by other drivers in accidents your employee’s cause.

These are just a few ways commercial insurance can protect your business. For more information on commercial coverage and costs, contact Alliance Insurance Partners in Scottsdale, AZ. We provide policies for over 28 states throughout the U.S.

Unexpected Coverage Options You Might Want to Consider for Your Home Insurance

Most home insurance policies cover standard things like fires, break-ins, and falling trees. But there are some unexpected coverage options that you might want to consider as well —  most of which depend on where you live and how you live your life.

1. Volcanoes and earthquakes

Unless and you live in Hawaii, you probably don’t have to worry about volcanoes but remember that earthquake coverage is not covered under most traditional home insurance policies.

2. Identity theft

With increases in cybercrime around the globe, identity theft is becoming more common than ever, and it’s a good idea to make sure that you are covered. Identity theft can lead to loss of wages, a faulty credit report, huge loss of finances, a criminal record that is not actually yours, and huge legal fees and time spent dealing with the problem.

3. Dog Bites

If you have a dog, be cognizant that — depending on their size and breed — they may be able to do serious damage to someone in the event of an attack or scuffle. If this is the case, medical bills may go into the thousands, and you will want to make sure that you have coverage to take care of this.

4. Other coverage options

  • Home upgrades required by law
  • Spoiled food
  • Your kid’s things while they are at college
  • Flooding, in certain situations
  • Tombstones
  • Gazebos, patios, and sheds
  • Riots

Contact Alliance Insurance Partners

Scottsdale, AZ residents who are interested in purchasing a new home insurance plan or modifying an existing policy are in luck! Alliance Insurance Partners serve the residents of Scottsdale, AZ, and 28 other states, and we would love to sit down with you and take a look at your options. To learn more about the home insurance plans that we have, and to find a plan that fits your unique needs, give us a call or stop by our nearest location.

When to Call Your Auto Insurance Agent After An Accident

Alliance insurance Partners works with you to ensure we cover every situation when it comes to auto insurance. Located in sunny Scottsdale, AZ we serve our residents here with pride.

Whether you are in a fender-bender or an accident that involves the need for emergency medical attention, contacting your insurance agent is critical. When you are involved in a motor vehicle accident, it is not always easy to think clearly. It can leave you in a daze, and the adrenaline can affect your judgment.

It is also challenging to be objective in this situation. Adrenaline is rushing through your body at a high rate of speed, and you may be in an emotional state since the wellness of your physical body has just been threatened.

Immediately, people involved in a motor vehicle accident tend to want to assign blame either to themselves or the other party. Believe it or not, that is not as important as making sure you are medically OK. Your first call should be to the police. Depending on the severity of the accident, the 911 operator may call for an ambulance simultaneously.

Your second call should be to your car insurance agent. They will tell you the best way to proceed. It is important that you have a policy that protects your vehicle and your health. An auto insurance policy has much more coverage beyond the liability if you work with an agent to build a quality plan.

Start our alliance today! If you are already a part of the Alliance Insurance Partners family, stop by to say "Hi" and to review your policy. We want to serve the Scottsdale, AZ and neighboring areas with a smile and lasting impression. Try our online rating tool for quotes from home on auto insurance. Our agents can also work with you to determine if you need an update to your policy. Reach out to us and let us help you.