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All business owners that own or are in the process of building a licensed commercial business of any size should know that it is important to obtain commercial insurance. When you have commercial insurance, you are protecting and providing coverage for your property, vehicle(s), all listed drivers and any loss or damages.

Without commercial insurance, business owners will be required to pay out of their own pocket for costly damages and/or legal claims that are made against their company. Below is a list of commercial insurance coverages that businesses should have:

Commercial General Liability Coverage: This section of a commercial insurance policy will provide coverage to protect the insured if a third-party has been injured or succumbs to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.
Commercial Auto Coverage: This section of a commercial insurance policy covers all listed commercial vehicles, such as cars, trucks, vans, commercial use trailers and more. It also protects your business when your vehicle(s) are involved in a collision or are stolen, vandalized or damaged, while providing funds to repair or replace your vehicle(s). Lastly, a commercial auto insurance policy covers medical-related expenses and third-party property damage.
Commercial Property Coverage: This type of commercial insurance coverage protects your commercial business against any loss of damage, such as fire, theft, vandalism and more. It provides coverage for the physical assets inside and outside your commercial business, which includes the commercial building, inventory, electronics, equipment and tools, as well as the exterior fixtures.
Business Interruption Coverage: This type of commercial insurance coverage covers the business owner(s) when their operations have been unexpectedly disrupted by a flood, earthquake, fire or windstorm. This will also provide protection when your commercial business needs to temporarily shut down your business operations. In addition, should you need to continue to operate your commercial business in the middle of a rebuild after a disaster, business interruption coverage will compensate for lost income and costs incurred. It should be noted that business interruption insurance also comes with various levels of coverage options such as Contingent Business Interruption, Named Perils Business Interruption and Service Interruption.

Whether customers are shopping for a better commercial insurance policy, are uninformed about their upcoming commercial policy renewal or are looking to save money on their current policy, overall, it is important to be informed about commercial insurance and how a policy works.

At Oracle RMS, we are here to help inform our customers and clients through every step of the way and after they’ve purchased their policy plan. All customers and clients will be personally assigned to an Oracle licensed broker who’s determined to service their wants and needs for commercial insurance through our connections with an extensive list of insurance companies. Oracle RMS will deliver the following commercial insurance services below:

A customized commercial insurance policy that happily work for our customers and their budget instead of a generic policy.
An appropriate solution for the best coverage and rate of all types of commercial histories, whether you operate a small family business or multi-location operation.
Insuring more than one vehicle and all types of vehicles, whether new or old, to their policy.
Friendly and effective customer service from our dedicated and attentive brokers and service representatives.
Ensuring our clients have peace of mind through every step of the process: quotes, renewals and claims.

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