Pollution Liability and Other Insurance Types You Never Knew You Needed

October 28, 2020 Blog

Risk Abounds Everywhere – Make Sure You Are Protected

We often think of insurance as a necessary evil. While there may be an argument for that line of thought, few of us want to be caught without protection when catastrophe strikes. Company owners, the self-employed, and other entrepreneurs understand the risks they face when going into business. The possibility that something will go wrong, is very real. One client tripping and falling over a rippled entryway carpet is all it takes for you to heave a sigh of relief knowing that you have general liability coverage. Besides the typical coverages, did you know some specialty options can fill in for unique claims?

Get the protection you need for your specific business when you talk with the knowledgeable brokers at The Business Insurance Center. We are happy to review your current coverage, look for gaps, and offer suggestions to keep you fully protected. One of the policies that benefits contractors from environmental claims ispollution liability insurance. You never know what you’ll get into with a renovation, so it pays to have extra help. There are plenty of other areas you need to cover. We’re here to help!

3 Types of Under-Utilized Insurance Coverage to Maximize Your Protection

Safeguard your business interests from liability claims thatarisewhen you least expect. Here are three policy types and how they can play a part in your overall insurance program:

  1. Pollution Liability Insurance: The first Earth Day was observed in 1970 to force environmental concerns to the national scene. Since then, individuals, communities, companies, and government entities have worked hard to protect our globe. The job is not finished, and business owners often face the risk of an environmental clean-up from their operations. For example, if you have abandoned leaking tanks under your convenience store, you may be liable for making things right. Contractors benefit from additional protection any time they head into an old building that may have asbestos. Pollution liability insurance aids you in the event of a claim against your company for exposing potential hazards.
  2. Cyber Risk Insurance: You may think that only the gigantic companies are exposed to cyberbullies. Small and medium-sized businesses are ripe targets because they generally don’t have the computer infrastructure to combat attacks. Even if you are a one-person company, you could be inadvertently exposing your client’s information because of mediocre safety features. Cyber risk insurance is a safety net aimed to help you get you back up and running if you’re hacked orbecome a victim of theft and fraud.
  3. Builder’s Risk Insurance:Contractors involved in building new or rehabilitating existing structures know that those newly delivered windows are an easy steal. Job sites have a ton of items that can be quickly turned into cash. The last thing you want to do is lose out on profit because of some thieves or even the weather. Builder’s risk insurance helps contractors during the construction or renovating process.

Mitigate Loss from Environmental Claims – Talk to Us about Pollution Liability Insurance

Get guidance for your insurance needs when you talk with the team at The Business Insurance Center. We work with small and medium-sized businesses, self-employed,and entrepreneurs in a wide range of markets. We understand that each enterprise is different. Utilize our experience to get you all the coverage you need from general liability to cyber risk to pollution liability insurance. We will get you covered at reasonable rates. Call us today!

Request a quoteonline or call andspeak with a knowledgeable and experienced broker at The Business Insurance Center about obtaining the best policies for your unique situation, including pollution liability insurance. We have a 24/7 call center to serve you and an online Live Chat operator.

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How General Liability Insurance Benefits Your Company

June 30, 2020 Blog

Helpful Advice from the Team at The Business Insurance Center

Sometimes we start side jobs to make extra money for debts or significant expenses. Many times, what started out small grows and becomes a fulltime business. For example, maybe you hustled and mowed some lawns for a few small businesses. One day, you are approached by a property management company to take over their lawn care at a commercial complex. Thinking you’ve hit the big time, your excitement may be quickly deflated when your potential new client asks for proof of insurance. Do you give up and go back to your push mower?

Win more clients and make more money when you invest in a general liability insurance policy. The experienced brokers at The Business Insurance Center are happy to help you get the right coverage so you can win that big contract and grow your business. We have decades of knowledge under our belt and love to serve our customers with customized protection.

3 Benefits of Purchasing a General Liability Policy

Some people don’t see the advantages of purchasing an insurance policy like a general liability. Before you decide it is not for you, consider these three benefits:

  1. It shows clients that you are responsible. How does a general liability policy do that? It is a gesture that indicates you are serious about working with your clients and ready to take on the liability for an accident that happens on the job. In essence, not only are you protecting your company and livelihood, but you are indicating you have your customer’s interests in mind as well.
  2. It lets customers know you are established. One way to reinforce a customer’s trust in you is to have proper coverage. They will see that you are serious about mitigating risk and plan to be in business for a long time. When a customer knows, likes, and trusts you, they will often refer others to your services. Having the right insurance policies in place is an extra step to reassure them that you don’t plan on going anywhere.
  3. You may win more contracts. Most states do not require a business to purchase general liability insurance. However, many clients prefer to make it a prerequisite to work with them. Why? If you have a sub-contractor working under you, do you want to be liable for their mistakes? Neither do your clients. The mindset is often this: if you have insurance, you will want to avoid claims; therefore, you will have higher standards in place. It encourages trust.

Safeguard Your Company – Get Help from Commercial Insurance Providers

Win the trust of new clients when you show them you mean to be around for awhile. A general liability insurance policy can help. Talk with the brokers at The Business Insurance Center about your enterprise and what you need. We will ask some clarifying questions and then work on a tailored plan that will fit your unique needs at reasonable rates. Let us assist you in showing your clients you care about them.

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center about general liability insurance. We have a 24/7 call center to serve you and an online Live Chat operator. 

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When Should I Seek Out Commercial Insurance Providers?

June 27, 2020 Blog

Answers from the Knowledgeable Team at The Business Insurance Center

The moment you go into business, you should take the necessary steps to protect your organization with the proper insurance. Without protection, you run the risk of losing a lot if a claim is filed against you. No one wants to lose everything they work so hard for so why take the chance? Yet, many owners will trust that their homeowner’s policy will cover the work they do in their basement. They may even think their personal auto policy will step in after an accident, even if they were conducting business affairs.

Talk with competent commercial insurance providers through The Business Insurance Center. We work with a lot of small to medium-sized companies and the self-employed from a wide range of industries. We understand you have unique needs and work with you to get the protection you need at reasonable rates.

Some Basic Questions about Commercial Insurance

Insurance does not have to be an overwhelming subject. We are happy to answer your questions. The information below covers some basic questions about commercial insurance.

  1. What is commercial insurance? This type of insurance product is geared toward protecting businesses, including the owners and employees. Each industry is different, so you won’t find a one-size-fits-all policy. Instead, by working with a broker or agent, you can get the best coverage for your unique needs.
  2. Why do I need it? Unless you have deep pockets, you need a backup if someone files a claim or lawsuit against your enterprise. For example, consider what would happen if a customer slips on a wet floor in your convenience store and suffers an injury. There are medical bills and loss of time at work for the injured party. If they decide to sue, the lawsuit could end up costing you your business. Insurance helps mitigate this issue.
  3. What type of policies can I get? That depends on your industry; each plan is tailored to your specific needs. You can get general liability, business property, worker’s compensation, and umbrella policies as starters.
  4. I’m in the {insert here} industry, do I still need commercial insurance? Absolutely! There are very few industries that may not benefit from the peace of mind that commercial insurance brings. Yes, landscapers, agribusiness, apartment owners, pest control, and RV park owners can enjoy many benefits from the added protection.

Safeguard Your Company – Get Help from Commercial Insurance Providers

Don’t take chances of losing everything you own and have worked hard for. Talk with the knowledgeable team at The Business Insurance Center about commercial insurance. We discuss your needs and customize a plan to give you the best protection at rates that won’t break your budget. We have over 30 years of experience in the business and work within many industries. Give us a call and get your questions answered.

Request a quote online or call and speak with a knowledgeable and experienced broker at The Business Insurance Center about commercial insurance providers. We have a 24/7 call center to serve you and an online Live Chat operator.

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7 Common Questions about Builder’s Risk Insurance

June 25, 2020 Blog

Help from the Professionals at BIC

Winning a major construction project can be great for your bottom line. Unless something goes wrong, like you falling behind schedule because of theft, then you can quickly see your profit turn south. If too many jobs go awry, then you may find yourself out of business. It’s possible to get the protection you need to recover when things do’t turn out as planned.

Protect your next job by talking with builder’s risk insurance providers about specialized coverage. The team at The Business Insurance Center understands the struggle you face as you want to keep costs low and still safeguard against potential losses. We help you mitigate that with coverages to fit your unique situation.

7 Questions Regularly Asked of Builder’s Risk Insurance Providers

Before you begin your next building project, give yourself and your customers peace of mind with the right protection. You may have some questions. Here are seven of the most commonly asked questions regarding builder’s risk:

  1. What is builder’s risk insurance? It is replacement coverage for construction projects and steps in when things go wrong. Often, it is purchased by general contractors, homeowners, and business owners alike. In general, it covers the cost of damage from non-severe weather events, like theft, vandalism, and debris removal, among others.
  2. Is it a one-size-fits-all policy? Each building project is unique, so your protection should be individualized. For example, you may be constructing a high-rise downtown and a few single-family homes out in the suburbs. Each has its own materials and costs much different from the other. You need a policy tailored to the job.
  3. Does it cover job site theft? You know that thieves will take advantage of a job site with copper wire, new windows and doors, and costly tools. It’s hard enough to pull up to your job and find out things have been stolen, let alone figure out how to replace them. This policy can help you.
  4. Will it cover the whole construction project? It can even cover all the participants like the project owner, general contractor, sub-contractors, the architect and engineers, and the project lender. Be sure to speak with your Business Insurance Center broker for more details.
  5. Are there any exclusions? It is possible. For example, projects in coastal areas may not be covered for wind, flooding, and earthquakes. Of course, you can speak to your Business Insurance Center broker to potentially have them added.
  6. What time limit does a builder’s risk policy have? Your project should not take forever; therefore, your builder’s risk policy will have a threshold based on the length of time you think you need. You can extend the timeline by discussing this with your broker.
  7. Why should I buy a policy? What are the benefits? The better question is, “Can I afford to replace anything on this project if something goes wrong?” The plan is set up to pay out when losses occur, or the building is destroyed. Since all participants can be covered, you can avoid getting stuck in a circular argument of who is to blame.

Protect Your Next Construction Project with Builder’s Risk Insurance

Heave a sigh of relief as you roll out the blueprints and break ground on your newest job site. Reach out to the builder’s risk insurance providers at The Business Insurance Center. We assist you in getting the right protection to fit your specific needs. Put our experience to the test and give us a call today!

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center about purchasing builder’s risk insurance for your next project. We have a 24/7 call center to serve you and an online Live Chat operator. 

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What Type of Landscape Contractor’s Insurance Do I Need?

June 23, 2020 Blog

Suggestions from the Knowledgeable Team of Brokers at BIC

Do you love the smell of fresh-cut grass or cedar chip mulch? Does the thought of climbing up a 100-foot Red Oak to trim back limbs excite you? Then you are part of that particular breed of Mother Nature’s caretakers. Landscapers, tree trimmers, and arborists alike, live to take the raw materials in nature and transform them.

Ensure your enterprise can keep working its magic for your clients when you obtain the proper landscape contractor’s insurance. The experienced brokers at The Business Insurance Center strive to provide you the best options to protect your company. You can keep growing, trimming and pruning with peace of mind when you work with us.

4 Common Policies to Aid Your Landscaping Business

Landscaping is a broad term. You want to know that if someone files a suit against you, you’re protected. That takes policies geared to your unique situation. If you offer landscape architecture, design, or maintenance services, then you deserve insurance that fits. Here are the most common policies:

  1. As a foundation for all your dealings, general liability helps out when you or an employee damages a client’s property, or if a customer is injured at your office. You don’t have to pay out-of-pocket if you have the right policy in place.
  2. Worker’s Compensation. In the lawn maintenance sphere, there are many chemicals and power tools that can potentially make a person sick or injured. Worker’s compensation steps in to help your employee with medical bills and loss of income if they suffer an injury or illness while on the job. It’s required by law in many states.
  3. Business Property. Let’s say you bought some new mowing equipment that is housed at the building you lease and it gets vandalized, ruining your new mowers. A general liability policy protects other people and their property, but a business property policy may step in and help you replace your equipment.
  4. Commercial Auto. A key component of getting the job done is traveling to the job site. Your company trucks and vans spend time on the road daily, hauling people, tools, and supplies. You need coverage that does more than a regular automobile policy. That is where commercial auto insurance serves your needs.

Protection for Your Landscape Company from The Business Insurance Center

Get the policies specifically designed to protect your landscaping business from The Business Insurance Center. Our nationwide network of brokers works with financially stable companies to provide the best coverage for your unique needs. Let us develop a customized plan for you, so you can get back to doing what you do best…serving your clients.

Request a quote online or call and speak with a knowledgeable and experienced broker at The Business Insurance Center about obtaining landscape contractor’s insurance. We have a 24/7 call center to serve you and an online Live Chat operator. 

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How the Coronavirus Impacts the Transportation Industry

June 23, 2020 News

Tips to Help Evaluate Your Commercial Fleet Insurance Quote

To say that the year 2020 has been unprecedented is an understatement. Who would have thought that a virus could slow the entire world down to a crawl in a matter of weeks? One industry that felt the effects in a different way was the trucking industry. The men and women kept busy transporting goods across the country and cities, working night and day to ensure others were able to obtain necessary supplies. As the pandemic slows its pace, it begs the question, what next?

The brokers at The Business Insurance Center applaud you and your team for all the long hours of dedication to your fellow Americans. We are here to aid you in ensuring you can keep serving even after an accident or other claim. Contact us for a commercial fleet insurance quote and get great rates for your budget.

Changes in the Commercial Transportation Industry Since COVID-19

As the world keeps turning, so do the changes brought on by the Coronavirus. Every industry has been hit, including the transportation industry. Here are a few significant changes:

  1. Demand slowed, for now. According to observations in the Forbes article “COVID-19 Poses Uneven Challenges for Commercial Truckers”, the demand for hauling slowed down in March. However, a slight resurgence started occurring in April as states started easing restrictions, as reported in the article “COVID-19 Impact: U.S. Fleet Miles Drop 17%, Recovering Fast.”
  2. Recovery seems to be industry related. Depending on your industry, you may start seeing an increase in demand. For example, landscape and gardening companies are picking up pace. Some of this is probably due to the time of year. Yet, the communications industry has not seen a significant increase as they have been consistently helping companies get their employees working from home.
  3. The FMCSA made a final ruling on the hours of service regulations. This finalization has been two years in the making. There are several expansions including short-haul exception and adverse driving conditions, among others. (While the FMCSA issued an emergency declaration in March, it’s vital to know the new changes that will affect your fleet as the pandemic subsides.)
  4. It is yet to be seen if insurance claims will change. During better times, distracted driving and traffic congestion lead to many accidents. Now, the industry is concerned that driver fatigue may take over and cause incidents.

Protect Your Fleet with the Right Commercial Auto Insurance

Ensure you have the right coverage in place as the country starts opening up. Talk with the knowledgeable brokers at Business Insurance Center today. We can look over your existing coverage and find any gaps. Then we will offer a comprehensive plan to keep your business protected and. Our options include liability, collision, uninsured motorist, and expanded towing among others. Get the protection you need so you can continue to serve your customers effectively. Contact us today!

Request a quote online or call and speak with a knowledgeable and experienced broker at The Business Insurance Center about obtaining a commercial fleet insurance quote. We have a 24/7 call center to serve you and an online Live Chat operator. 

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What Can Hemp be Used for?

June 21, 2020 Blog

Suggestions from the Preferred Hemp Grower’s Insurance Brokers

Hemp has been around for several millennia and was used for a variety of items. For example, scraps of hemp fabric have been dated as far back as 8,000 B.C.  Many don’t understand what hemp is and the versatility it has. It is a plant from the Cannabis sativa L. variation that has less than 0.3% THC. It is genetically distinct from marijuana cannabis species. As a renewable source for raw materials, it has been incorporated in thousands of products from health foods, organic body care, and other items.

If you are interested in growing hemp for certain industries, then you are in luck because this plant has you covered! Remember that every business venture needs extra protection. The brokers at the Business Insurance Center can get you set up with hemp grower’s insurance so that you can move forward in your new endeavor with confidence.

Uses for Hemp

The entire hemp plant can be used to make thousands of items. Imagine the possibilities when you set out to sell your hemp to different industries. Here are a few different products:

  1. Hemp Seed. Starting with the seeds, you can see the list is quite extensive:
    • The nut can be used for bread, granola, cereal, protein powder, and milk and dairy products.
    • Hemp oil makes fuel, lubricants, ink, varnish, paint, dressings, margarine, body products, and cosmetics.
    • The cake is often used for flour and animal food.
  2. Hemp Stalk. The seed is just the beginning. The stalk is also useful for many uses:
    • The hurd is utilized for animal bedding, mulch, chemical absorbent, fiberboard, insulation, and concrete (sometimes call hempcrete).
    • The bast fiber makes cordage and rope, netting, canvas, carpet, bio-composites, clothes, shoes, and bags.
    • The stalk is used in biofuels like ethanol, paper products, cardboard, and filters.

Industries that Buy Hemp

Getting into the market can be tricky. Here are some industries that may be likely candidates for your hemp crop:

  • Manufacturing labs
  • CBD processing and extraction
  • A broker

 

Protection Starts with Proper Insurance

To help you take the best steps towards success as a grower, you should check into purchasing hemp grower’s insurance. The right policy can help with:

  • Protecting your crop. This drought-resistant plant can handle a lot, but it is still susceptible to extreme weather like tornadoes and hailstorms.
  • Safeguarding your equipment. Like any other farming operation, you need specialized equipment to ensure you harvest your crop on time.
  • Support when revenues are low. The price of hemp fluctuates greatly. You may need some help when your crop doesn’t yield enough for a profit.

Take on a New Adventure as a Hemp Grower – the Business Insurance Center Helps

Start a new adventure with confidence when you pick a market and protect your business with hemp grower’s insurance. The brokers from the Business Insurance Center stand ready to assist you with the right coverage. Let our more than 30 years of experience help you safeguard your business.

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center about hemp grower’s insurance. We have a 24/7 call center to serve you and an online Live Chat operator. 

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What Exactly Does a Cyber Liability Insurance Policy Cover?

June 19, 2020 Blog

Helpful Advice from the Business Insurance Center Team

Almost all businesses utilize computers and smartphones to send, receive, and store electronic data. This information can include sales quotes, tax records, your customer’s private information, vendor’s information, and employee records. If any of this information is lost or stolen by a hacker, you may struggle to replace it. Customers and employees can also sue because of the data breach.  Your reputation can be tarnished, and you may never win the trust of your clients again.

Bolster your company with steps like additional training for spotting phishing emails, two-step authentication logins, and updating security software. Then talk to an experienced broker at the Business Insurance Center about a cyber liability insurance policy. This vital piece of security can help you recover in the event of a breach.

What Is Cyber Liability Insurance?

Today’s cyber world is dangerous. Hackers are not afraid to take advantage of any weaknesses in your infrastructure. You need something to help you recover when these attacks occur. A cyber liability insurance policy helps cover financial losses because of a breach. Here are a few more bits of information to keep in mind:

Two categories of coverage: Depending on the source of the claim, your policy may be first-party or third-party coverage.

  • First-party – For those expenses, you incur as a direct result of the breach, first-party coverage will kick in. Generally, these include the costs you pay to inform your customers. There are a variety of policy types:
    • Loss or damage to electronic data – It can get expensive to restore data or programs. These losses may be from hackers or a virus, for example.
    • Loss of income – You may suffer from the additional expenses of trying to keep the doors open until you get back up and running.
    • Extortion – Yes, criminals will break into your computer network and threaten to damage your data if you don’t pay them money. You can get coverage for this.
    • Notifying customers – It costs money to inform all your clients of any cyber breach. Not everyone has those funds available, especially if you need to offer credit monitoring services.
    • Reputation repair – There are costs of marketing and public relations to save your reputation. You can get some help with it.
  • Third-party – When you have claims filed against you, third-party coverage can help with those covered claims and the costs of your defense:
    • Network security and privacy liability – You may be sued for neglect or errors and omissions that resulted in the attack. Your customers may claim you failed to properly protect the system.
    • Regulatory – If you are assessed and fined by a regulatory agency, this coverage may cover you.

Cover Your Electronic Data with Cyber Protection from the Business Insurance Center

Take proactive steps to protect your company and your customer’s data. Obtain a cyber liability insurance policy from the Business Insurance Center for those times when the attack still occurs. Our brokers help owners across many different industries get the coverage they need at reasonable rates. Contact us today and see the difference!

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center. We have a 24/7 call center to serve you and an online Live Chat operator. 

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Reassure Your Contractor Clients when You Obtain Sub-Contractor’s Insurance

June 17, 2020 Blog

WIn New Contracts and Use Your Skills with the Right Coverage in Place

Imagine spending hours perusing through the requirements of a contractor’s request for a bid. You checked each box, ensured you have the right tools for the job and submitted your bid on time. You feel good about things and are sure the job is in the bag. Then the day comes when you receive the news. You didn’t win the contract. There was one aspect you didn’t follow through on – insurance. Nothing makes a bad day like finding out you lost a bid because you didn’t have the correct types of coverage in place.

Win your next bid by having the right sub-contractor’s insurance in place. The brokers from the Business Insurance Center help many different sub-contractors in a wide range of industries. We can assist you in making sure you meet the requirements of the companies you want to contract from. We make it our priority to help our customers succeed.

Sub-Contractor’s Insurance Policies – the Bare Minimum

The companies you work for want to make sure that if they are sued because of something you did, they are covered. If you haven’t thought carefully about the types of coverage you need, here is a good start:

  1. General Liability: You will use this policy for those times when there is damage or injury during the regular course of business. This can include damage you or an employee may potentially cause while at a client’s site, or if a customer shows up to your location and gets injured. This type of policy has broad coverage.
  2. Worker’s Compensation: If you have employees, then you want to have the right protection in place. Worker’s comp does that by providing help with lost income and paying medical bills for those employees that become ill or get sick while on the job.
  3. Commercial Property: While you are safeguarding everyone else, you want to make sure your office and equipment is covered as well. This protection applies to buildings, storage buildings, and other structures you may own.

Additional Coverages to Consider

Once the bare minimum coverage is taken care of, you may opt for additional plans to cover some unexpected happenings:

  1. Commercial Auto Insurance: Any vehicles you use during the course of business should be protected under a policy dedicated to commercial autos. You cannot depend on your personal auto policy to cover this.
  2. Errors and Omissions: It can happen. You believe you did everything right and your client claims negligence against you.
  3. Umbrella: Each policy you purchase will have set limits. Sometimes a claim comes through that is more than your regular policy can handle. You can use this to fill in the difference where regular policies stop.

Win Your Next Bid when You Have the Necessary Policies in Place – Call BIC for Help

Don’t wade through the intricacies of insurance and risk losing out on a lucrative bid. Let the knowledgeable brokers at the Business Insurance Center work with you to custom design a plan to get you the best protection at great rates. Take advantage of our more than 30 years of experience.

Request a quote online or call to ask us about sub-contractor’s insurance. Chat with an experienced broker at the Business Insurance Center. We have a 24/7 call center to serve you and an online Live Chat operator. 

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Handling the Coronavirus Pandemic Like a Hero

May 28, 2020 News

A Huge Thank You from Your Preferred Grocery Store Insurance Brokers at BIC

In the midst of the COVID-19 pandemic, one line of workers risks their lives each day to ensure families are cared for. Yes, nurses, doctors, medical staff, and first responders top the list, but there are a few unsung heroes that deserve some recognition – one of which is grocery store workers. As an owner of a small-to-medium-sized location, you are on the front lines of this virus that is quickly taking its toll on the world. You fight with bare shelves, disgruntled (and panicking) customers, and scared employees.

Thank you for putting in the good fight. The staff at the Business Insurance Center understands the risks our clients take when they operate a business. In this unprecedented scenario, you and your team take risks the rest of us may not have to, and we’re here to help you have the best grocery store insurance coverage.

Take Care of Your Employees and Customers during the Pandemic

The pandemic has caused many people to panic to purchase their grocery and toiletry items. The results are overworked and tired grocery clerks who spend their time in harm’s way. Even with stay-at-home orders in place across the country, there doesn’t seem to be an end to the exhaustion your team feels. One CNN Business article suggested that it may be time to ban customers from your locations. You might not have that option, but you definitely want to do everything you can to help your greatest asset during and after the virus:

  1. Give your employees a full day off. If you are already short-staffed, this will not make sense, but it can be a game-changer for moral. When your team is working long hours under these stressful conditions, their immune systems can suffer. They need the rest to allow their body to repair itself, as well as give them a mental break.
  2. Offer gift cards for groceries. Even if you are giving them a discount for purchasing groceries, they need to know you appreciate them and the risks they are taking. An additional gift card that helps them ensure their families eat well during this time lets them know you care.
  3. Provide personal protective gear. Check out the CD C’s recommendations, along with your particular state’s suggestions. If you cannot locate any disposable masks and gloves, enlist the help of a local seamstress or even an employee who sews, to make some fun masks.
  4. Make cleaning an every hour event. Not only should work stations contain sanitizer, but you should also have someone going throughout your store cleaning common areas. This list would include cashier stations, self-checkouts, credit card terminals, conveyor belts, and food service counters.
  5. Set up personal shopping for the elderly. This can be especially helpful to minimize foot traffic even if you have started offering full curbside service. Some older people do not have access to the internet, so let your elderly customers know they can call in their order, and you will be happy to meet them at the curb when they arrive.

Get Grocery Store Insurance from the Business Insurance Center for Additional Protection

We could all use a sense of normalcy with added protection. Encourage your staff to hang tough and rest as much as they can to keep their immune systems in check. Now may also be a good time to review your insurance policies. You may not be able to plan for every pandemic that spreads across the world, but you can take steps to handle the “regular” risks that come with your industry. Talk with our team of brokers about your grocery store coverage today.

Request a quote online or call and speak with a knowledgeable and experienced broker at the Business Insurance Center about grocery store insurance. We have a 24/7 call center to serve you and an online Live Chat operator.   

COMMERCIAL FLEET

Insurance for commercial vehicles

Learn More

CYBER CRIME

CYBER CRIME insurance policy

Learn More

RESTAURANT

RESTAURANT Insurance quotes

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CONTRACTOR

Insurance for construction site

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CONDO ASSOCIATION

CONDO ASSOCIATION Insurance quotes

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DAY CARE

DAY CARE Insurance quotes

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FARM

Insurance for Farms

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SMALL BUSINESS

SMALL BUSINESS Insurance specialists

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JANITORIAL

JANITORIAL insurance quotes

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POLLUTION LIABILITY

Insurance for factory

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WORKERS’ COMPENSATION

Workers compensation insurance quote

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NURSING HOME

Nursing Home insurance quotes

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CONVENIENCE STORE

Insurance quote for store

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DIRECTORS & OFFICERS

Insurance for company directors and officers

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MANUFACTURING

Insurance for manufacturing

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