Are you prepared to handle a natural disaster that affects your place of business? Commercial insurance coverage can protect your business from unforeseen incidents that damage your business and the items within it.

Variables To Look Out For

A natural disaster could cause extensive damage, making it difficult to maintain day-to-day operations. A setback that would require you to shut down your business could be hard to recover from.

First, consider the variables that could hinder your business’ performance. Flooding, high winds, lighting, and blizzard conditions could damage the structural materials that your place of business is made of.

A natural disaster could also cause interior damage. Check the thermal envelope of your business. Take note of any inconsistencies in the design of your business. Any problematic areas that are discovered should be documented. Use the information that you have recorded when you compare commercial insurance products.

Natural Disaster Preparations

Next, take the time to familiarize yourself with the protocol to follow after a natural disaster. Once you have added sufficient insurance coverage to your existing policy, keep the paperwork in a safe spot.

Prepare an evacuation plan for you and your business associates to follow. When a disaster strikes, it is up to you to file an insurance claim. Your place of business should be evacuated in a methodical manner.

Once everyone has been moved to a safe location, take the initiative to report the incident. You will need to provide details about the damage. An insurance inspector will ultimately assess the damage. If your claim is approved, you will receive guidance regarding the repair processes.

An Agent Who Serves Newport Beach CA

Contact one of our Murvay Insurance representatives. They can assist with any insurance questions you have.

 

When you are a business owner, commercial insurance is a must. The types of coverage you need will depend on several factors. The size of your business, whether you have employees, the type of work you do, and what you sell are all important factors in the insurance you need. When you need commercial insurance for your business, call us at Murvay Insurance in Newport Beach, CA.

California Worker’s Comp Insurance

If you have employees, this type of insurance is a must, and it may be required for your business. There is always a risk of employees being injured on the job, and you need this insurance to protect your business just in case this happens. There is a risk of falls and injuries no matter what kind of business you have and how many employees work for you.

California Cyber Insurance

Data breaches are much too common today and happen to businesses of every size. When one happens, it can be extremely expensive to clean up the mess that’s left behind. To guard against this risk to your business, there’s cyber insurance. It pays for the costs that are associated with losing data and having to try to make it up to customers and to the business itself. If you use computers in your company, you need this insurance.

California Recreational Insurance

Is your business a recreational one? If you take people out on the water, hikes, climbing trips, etc., you need specialized insurance to cover you against the risks. This insurance can cover you against the injuries common with recreational business customers.

Get Commercial Insurance in California

We can help you understand which types of commercial insurance your business needs. Call Murvay Insurance in Newport Beach, CA, to get started.