Category: Commercial Insurance

If you store items outdoors at your place of business, take measures to protect them. The following commercial insurance upgrades can protect your investments and company.

An Inventory

Take inventory of the items you have chosen to store outdoors. Use the list to determine when to order new materials or when to inspect them. The list you compile should indicate the types of items stored outdoors and their exact location. 

Security Lights

Install security lights near the items of value that are stored on your property. The lighting will make the outdoor premises safe for you and your employees to access when it is dark out. The lighting will also deter theft and vandalism from occurring on your property.

Fencing

Consider the benefits that fencing materials can provide. If you have a new HVAC condenser unit or another high-priced piece of equipment installed outdoors, adding new fencing materials will protect it from theft or damage.

The addition of fencing will increase the value of your property. Research various types of fencing to determine which materials will work best to protect the items you have chosen to store outdoors.

Coverage

Explore insurance products that will protect the items stored outdoors. Take the time to compare the insurance products that interest you.

Contact Amerisent Insurance

Once you have decided which items to add to your new insurance policy, contact one of our agents in Las Vegas, NV. An Amerisent Insurance agent will help you select the coverage you need for each item that will be stored outside on your business property.

If your business requires costly equipment, tools, money, or people around, you’ll need commercial auto insurance. If you aren’t sure about the status of your company and whether you should carry commercial vehicle insurance, our team at Amerisent Insurance in Las Vegas, NV is here to offer guidance.

Who Needs Commercial Auto Insurance?

Some employees use personal vehicles to handle certain business tasks. While their personal policy likely has enough coverage, there are stipulations that call for a commercial auto policy, as well.

• Your Company Has Commercial Vehicles Registered: If you have one company vehicle registered as commercial or vehicles have commercial license plates, your staff using personal vehicles will need commercial auto insurance.
• Your Drivers Transport Goods for Cash: Ride-sharing agencies, taxis, delivery companies, and those that require moving valuables or people are required to have commercial auto insurance.
• Heavy Tools or Expensive Equipment is Transported: Businesses that handle logistics for work supplies or machinery need to have commercial coverage that protects the load.
• Travel for Work is Frequent: If traveling far distances in a company or personal car, a commercial policy is necessary to protect the vehicle and your business.

What’s Covered Under Commercial Auto Insurance?

Commercial vehicle insurance carries much of the same coverage as personal vehicles but extends to cars, trucks, vans, etc. used for work purposes. A few of these include but aren’t limited to:

• General Liability Insurance: Handles claims such as damage to visitor’s property by a company-used vehicle when on the job.
• Workers’ Compensation Insurance/Personal Injury Protection: This insurance will cover employees hurt while on the road.
• Uninsured/Underinsured Motorist: If an employee has an incident with a driver who doesn’t have insurance or enough of it to cover the damage they cause, the insurance company offers compensation for the difference.

Learn More About Commercial Auto Insurance

No one understands the laws and consequences of failing to carry commercial vehicle insurance than our team. If you want to speak to one of our experts about your company’s commercial insurance needs, contact us online at Amerisent Insurance, call us, or stop by our office in Las Vegas, NV.