Getting Commercial Insurance for a Cafe

Posted on January 30, 2026January 12, 2026 by admin

Opening a cafe in Las Vegas, NV, can be an exciting and promising business venture. It comes with certain risks, though, and failing to protect against those risks could turn your dream into a nightmare. One important way to protect a coffee shop or other cafe is to obtain the right commercial insurance. The team at AmeriSent Insurance can help you evaluate your risks and find you protection that matches your needs.

Many Coverage Options

There are many commercial insurance options available to cafe owners, ranging from standard general liability to specialized product liability tailored for food service businesses. Other important protections can include commercial property coverage, business interruption insurance, cyber liability insurance, equipment breakdown insurance, and workers’ compensation insurance.

You can start with a business owners policy (BOP), which bundles common protections like general liability, business interruption and commercial property together. Bundling helps you attain a better rate than purchasing coverages individually, and you can supplement your BOP with additional protection, like cyber liability.

Work With an Independent Business Insurance Agent

Selecting the right coverage requires an understanding of the risks your cafe is exposed to and the insurance options available to offset those risks. An insurance agent who specializes in commercial insurance for food service businesses will be familiar with both.

Additionally, look for an "independent agent." An independent agent isn’t beholden to any one insurance company. Instead, they work for your interests and help you compare coverage options across many carriers. Having options means you’ll be able to select coverage that’s tailored to your cafe’s needs.

At AmeriSent Insurance, we’re proud to be an independent insurance agency serving businesses in the Las Vegas, NV area. We work with coffee shops, bakeries, cafes and food service businesses, and are ready to assist you. Contact us to speak with one of our knowledgeable agents.

How To Review Your Business Insurance Before Expanding or Hiring

Posted on December 31, 2025December 12, 2025 by admin

Planning to grow your business? Whether you’re opening a new location or bringing on additional employees, it’s crucial to evaluate your current insurance coverage first. At AmeriSent Insurance, serving Las Vegas, NV, we understand that business expansion brings exciting opportunities along with new risks that require proper protection.

Assess Your Current Coverage Gaps

Before making any growth moves, take a hard look at what you currently have versus what you’ll need. Your general liability limits that worked fine for a five-person team might fall short when you’re managing fifteen employees. Review your property coverage too. That new equipment or larger office space won’t protect itself, and you don’t want to discover coverage gaps after something goes wrong.

Consider New Risk Exposures

Expansion often means entering unfamiliar territory. New locations might face different weather risks or local regulations. Additional employees bring workers’ compensation considerations and potential employment practices liability issues. If you’re adding delivery services or expanding your service area, your commercial auto needs will change significantly.

Update Professional and Cyber Liability

Growing businesses become bigger targets for lawsuits and cyber attacks. Your professional liability coverage should scale with your increased client base and project values. Don’t overlook cyber insurance either. More employees often means more devices, more data, and more potential entry points for security breaches.

Plan Ahead for Success

Smart business owners review their insurance before they need it, not after problems arise. Schedule a comprehensive policy review well before your expansion launch date. This gives you time to adjust coverage, shop for better rates, or find specialized policies for new business activities.

Ready to protect your growing business? Contact AmeriSent Insurance, serving Las Vegas, NV, today for a thorough insurance review tailored to your expansion plans.

What Types of Policies Can You Bundle Home Insurance With?

Posted on November 26, 2025November 13, 2025 by admin

If you want to save money on your home insurance, one of the most common and easiest ways to do so is to bundle it with other policies. This common practice can result in considerable savings on your premiums, yet you can’t bundle your homeowner’s policy with all the policies offered by a carrier. The professionals at Amerisent Insurance, serving Las Vegas, NV, can advise you on how to achieve this discount.

Most Common Ways to Bundle Home Insurance

The most common insurance bundle involves buying your auto insurance policy from the same company as your home insurance. Many carriers also offer significant discounts on a triple bundle when life insurance is added. Other possible policies you can bundle with a homeowner’s policy include:

Renter’s
Condo
Umbrella
Home business
Recreational vehicles

Why Bundling Policies Saves You Money

When you bundle, you’ll receive a discount on every included policy, as insurers consider this practice a loyalty discount. You’ll only have to manage one bill and billing date, which reduces the chances of missing a payment. The carrier also saves on administrative costs when you bundle, passing those savings on to you. It’s also easier to manage claims when you bundle, especially when a claim applies to multiple policies. In such cases, you may only have to pay a single deductible.

Bundling Isn’t Always Less Expensive

Although bundling makes sense for most consumers, it isn’t always cost-effective. If you need a specialized policy to cover a luxury car or need special endorsements for your home, you may do better with separate policies from different insurers. Shop around to compare rates among carriers.

The professionals at Amerisent Insurance, serving Las Vegas, NV and surrounding areas, can help you compare policies so you’ll get the best rates for your bundled home insurance. Contact us today.

Can You Drive Your New Car Off the Lot If You Don’t Have Insurance?

Posted on October 31, 2025October 24, 2025 by admin

Buying a new car can be a process, especially if you need to buy car insurance. In most states, car insurance is an essential part of driving a vehicle. If you need auto insurance, the professionals at AmeriSent Insurance, serving Las Vegas, NV, can help. Here’s what you should know about car insurance if you’re buying a new vehicle.

Is Auto Insurance Required for Driving a Car?

Auto insurance is a requirement for driving a vehicle. Auto insurance is important because it helps protect other drivers from financial risk if you cause a collision.

Auto insurance can also help you avoid financial risk if something happens to your vehicle. If you have the right kind of coverage, you can use insurance to repair or replace your vehicle when a covered event occurs.

Can You Buy a New Car Without Auto Insurance?

If you already own a car and have a car insurance policy to cover your existing vehicle, your auto insurer may give you a grace period to add the new vehicle to your policy. You’ll have to call your insurer to find out what the grace period is.

If you do not already have insurance, the car dealership may require you to get insurance before you’re allowed to drive the car off the lot. Additionally, if you’re getting a car loan, you will most likely be required to prove that you have full-coverage auto insurance before you can borrow the money.

How Can You Get Auto Insurance When Buying a New Car?

If you are buying a new car, contact the insurance professionals at AmeriSent Insurance, serving Las Vegas, NV. We work with many carriers and can help you find a car insurance policy that meets your needs.

Errors and Omissions Insurance: What is and isn’t Covered

Posted on September 30, 2025September 24, 2025 by admin

A staggering 90% of businesses experience a lawsuit at some point in their existence. In some cases, a Las Vegas, NV, business’s liability coverage is sufficient to handle claims related to marketing, defective products, bodily injury, or property damage. However, if an employee makes a mistake that harms one or more of your customers, you will need errors and omissions insurance (E&O coverage) to claim compensation for the damages.

E&O Insurance: Understanding Coverage and Coverage Limits

Errors and omissions insurance protects against honest mistakes that may result in your clients incurring time and financial losses. It provides compensation for claims related to inadequate work or negligence and covers not only legal fees but also settlement costs. Generally, it is designed for situations where your business fails to meet industry standards for customer care and service. This type of insurance is especially important for companies in service industries, but even businesses that sell physical goods can benefit from E&O coverage.

It is important to note that errors and omissions insurance does not cover illegal or criminal acts. If one of your employees breaks the law, an E&O policy will not provide compensation, even if you were unaware of the employee’s actions. Additionally, it does not cover mistakes that result in pollution or those caused by financial problems your business is facing. Furthermore, errors and omissions insurance does not cover discriminatory words or actions.

Need Commercial Insurance? Give Amerisent Insurance a Call

Amerisent Insurance serves businesses in and around Las Vegas, NV, offering access to commercial insurance policies from over sixty leading insurance providers. Contact us today to learn more about errors and omissions coverage or to explore our other coverage options. Our team is ready to answer your questions and provide expert advice to help you select the best policy or policy bundle for your needs.

Short-Term Rentals in Las Vegas: What Homeowners Need to Know About Insurance

Posted on August 29, 2025August 21, 2025 by admin

Las Vegas, NV, is one of the top tourist destinations in the U.S., known for its vibrant casinos, entertainment, and a steady stream of visitors. For many homeowners, this presents an opportunity to earn extra income by listing their home on a short-term rental platform. However, opening your home to strangers involves more than just handing over the keys. Without the right insurance coverage, you could be putting your home at serious financial risk.

Why Short-Term Rentals Change Your Insurance Needs

Here’s the reality: Standard homeowners insurance typically does not cover damage caused by short-term rental guests. These policies are designed for personal living spaces, not business activities. As a result, damage or liability caused by rental guests is often excluded from coverage.

Another common misconception is that the short-term rental platform’s insurance will cover everything. While platforms like Airbnb do offer some insurance, their coverage often has significant limitations and exclusions. Relying solely on platform insurance could leave you vulnerable to unexpected costs.

Why "Platform Insurance" May Not Be Enough

Platforms like Airbnb often present their insurance as comprehensive, but the truth is far more complicated. A long list of exclusions typically limits coverage. For example, if a guest’s friend gets injured on your property, you might be responsible for the costs. Counting on platform insurance alone is a risky gamble—and even though you may live in Las Vegas, NV, gambling with your financial stability is never a good idea.

The Risks of Hosting Short-Term Rentals

Short-term rentals fundamentally change the nature of your home. It’s no longer just a personal space; it becomes a business asset with strangers coming and going. This increases wear and tear, liability risks, and other uncertainties. At Amerisent Insurance, we’ve seen how one overlooked gap in coverage can turn a profitable rental into a financial nightmare.

Protecting Your Home and Reducing Risks

The good news is that finding the right insurance coverage for your short-term rental doesn’t have to be complicated. Our experts will work with you to design a policy that protects your home and minimizes risks so that you can host with confidence.

Get the Coverage You Need

If you’re listing a short-term rental in Las Vegas, NV, don’t gamble with incomplete coverage. Contact Amerisent Insurance to discuss the protection that fits your needs. No runaround, no unnecessary upsells, just clear, reliable coverage to help you host with peace of mind.

Questions to Ask Your Insurance Agent When Getting Auto Insurance

Posted on July 31, 2025July 25, 2025 by admin

Auto insurance is a crucial type of coverage required for owning and driving a car. If you’re purchasing a new vehicle, you’ll need auto insurance before you can drive it off the lot. When shopping for auto insurance, asking the right questions can help ensure your policy meets your needs.

Your insurance agent is a valuable resource during this process. That’s why many people turn to Amerisent Insurance, servicing Las Vegas, NV, for their auto insurance needs. At Amerisent Insurance, we provide detailed information to help our customers navigate the insurance process. Below are some key questions to ask your insurance agent when shopping for auto insurance.

How Much Is the Premium?

Auto insurance premiums can often be paid monthly, semi-annually, quarterly, or annually, depending on the insurance company. Many providers offer discounts for paying a larger amount upfront. If you’re on a budget, your insurance agent can help you determine the cost of your monthly premium and explore payment options that work for you.

What’s the Deductible?

The deductible is the amount you’re responsible for paying out-of-pocket when filing a claim. Typically, a lower deductible corresponds to a higher premium, while a higher deductible results in lower monthly payments. Your insurance agent can help you determine which deductible and premium combination is best suited to your financial situation.

What’s Covered by This Policy?

Coverage varies between auto insurance policies. Understanding what’s included in your policy—such as liability, collision, or comprehensive coverage—can help you determine if it’s the right fit for your needs.

Need Auto Insurance? Contact Us

Are you in need of auto insurance? The experienced agents at Amerisent Insurance, servicing Las Vegas, NV, are here to help you find the policy that’s right for you. Contact us today to get started.

Do I Need Commercial Insurance For a Dropshipping Business?

Posted on June 30, 2025June 24, 2025 by admin

Running a dropshipping business may seem like a low-risk way to earn online income, but it’s not without financial exposure. Even though you don’t handle inventory or shipping products yourself, your business can still face legal claims, data breaches, or supplier errors that impact customers.

This is where commercial insurance with Amerisent Insurance, serving Las Vegas, NV, becomes a proactive and innovative move.

Product Liability Still Falls on Sellers

Dropshipping removes you from the physical product, but not from responsibility. If an item you sell causes injury or fails to meet safety standards, your business could be included in a lawsuit, even if the manufacturer is overseas. Product liability insurance helps cover legal fees, settlements, and other costs tied to product-related claims.

General and Cyber Liability Are Worth Considering

Even without a physical storefront, general liability insurance can be a valuable asset. It protects you from claims involving misleading advertising, reputation damage, or accidental copyright infringement. Cyber liability is also worth considering. Since dropshipping stores rely heavily on customer data, a security breach could lead to lawsuits or fines, especially if payment or identity information is compromised. Just because you don’t have a physical presence doesn’t mean you’re untouchable.

Growth May Trigger Insurance Requirements

As your business scales, you may hire remote contractors or expand to platforms that require insurance. Some e-commerce providers ask for proof of coverage before approving certain integrations.

If you outsource customer service or content creation, professional liability insurance may also apply, so it’s worth considering.

Though not legally required, commercial insurance offers peace of mind. It demonstrates professionalism and prepares you for problems before they become expensive setbacks. With the right policy in place, you can protect your store, strengthen vendor relationships, and focus on growing your dropshipping brand. Protect your business with the help of Amerisent Insurance, serving Las Vegas, NV. Get in touch today.

Home Insurance: The Impact Of Installing A Pool

Posted on May 30, 2025May 28, 2025 by admin

Pools are a fantastic way to unwind and soak up the sun, offering endless hours of enjoyment for the whole family. However, it’s important to note that pools can influence your home insurance. Here are a few considerations before you start installing a pool.

Higher Premiums

Many insurance companies in Las Vegas, NV, view a pool as a structure that may need to be replaced in the event of damage. These companies will take into account the total replacement cost of the pool when deciding how much to raise your insurance. For instance, a large in-ground pool will be more expensive to replace than a smaller above-ground pool.

Increased Liability Coverage

Most home insurance companies suggest increasing your liability coverage once you install a pool. This is also recommended if you acquire a trampoline or any other item that could potentially cause injuries. You could be sued for injuries occurring in your pool, and your home insurance liability coverage can assist in paying for damages, including bodily injury. However, they suggest more coverage as medical bills and lawsuits may surpass your current liability coverage.

It’s always advisable to consult with a professional agent at an insurance company like Amerisent Insurance to determine whether you need more liability coverage before installing a pool.

Safety Measures

Many insurance companies require safety measures to decrease your liability risk. Homeowners who don’t have specific safety measures risk losing insurance coverage. Many companies require a fence around the pool and a locking gate as they’re considered attractive nuisances. This means you could be held liable if a child gets hurt, even if the child trespasses on your property, because the open pool attracts them.

Agents at Amerisent Insurance can assist you in understanding how pool installation will affect your home insurance. Contact us today to learn more. We’re currently serving the Las Vegas, NV, area.

What “At-Fault” Means in an Auto Insurance Claim

Posted on April 30, 2025April 28, 2025 by admin

When you’re involved in a car accident, one of the initial questions that arises is: Who was at fault? While it may seem straightforward, determining fault in an auto insurance claim can be somewhat more intricate than it appears. At Amerisent Insurance, serving the greater Las Vegas, NV community, we’re committed to helping our clients understand how these decisions are made and what they mean for their coverage.

Deciphering Fault in Simple Terms

In the realm of insurance, "at-fault" refers to the individual who instigated the accident, either entirely or partially. This determination isn’t always clear-cut. At times, both drivers may bear some responsibility. In such instances, fault is apportioned based on the percentage of blame—a concept known as comparative negligence. For example, one driver might be 70% at fault while the other is 30%. These percentages can directly influence how insurance payouts are managed.

The Importance of Determining Fault

Being found at fault can impact your insurance in several ways. It may affect whether your insurance covers the damage to your vehicle, the amount of your deductible, and whether your premium might increase. Each state has its own regulations about how fault impacts claims, which is why collaborating with a local provider who understands Nevada’s laws is crucial.

Guiding You Through the Process

At Amerisent Insurance, proudly offering auto insurance to residents in and around Las Vegas, NV, we’re here to assist you through every step of the claims process. Understanding how fault is determined can help you make informed decisions after an accident. If you have questions or need help reviewing your current policy, don’t hesitate to contact us. We’re dedicated to keeping you informed, protected, and confident on the road.