Category: Commercial Insurance

Property upgrades that enhance the beauty and functionality of your commercial land require liability protection. Read on to learn about the risks associated with land improvements. Then, purchase commercial liability insurance for your business property.

Upgrades to your Home

• Pond, fountain, or another water feature
• Landscape Lighting
• Common areas for walking and sitting
• Trees, shrubs, and other plants
• Patios
• Gazebos

This list highlights some landscaping upgrades that a liability protection plan can cover. These upgrades and others could alter how your commercial property is used daily. 

Risks to your Home

Land improvements are designed to make your property more attractive or user-friendly. However, these types of additions may come with risks. Natural and synthetic materials used to construct landscaping features could become damaged, posing a risk to others.

Assess the materials each feature is constructed of. Perform a safety analysis that pertains to the design of each landscaping upgrade. Consider ways to improve the safety of each landscaping upgrade.

The installation of fencing or signs could make it easier for patrons and employees to access your property. Safety features will also prevent unforeseen accidents on your commercial land.

Coverage for your Home

The amount of commercial property liability coverage you acquire should coincide with the risk level of each upgrade. If someone who visits your property ultimately sues you, the liability insurance will cover legal costs and other costs associated with the lawsuit.

Your commercial liability insurance policy will indicate the cap amount for the landscaping materials covered by your policy. 

Contact Meiners Insurance

Contact one of our agents at Meiners Insurance. An agent who serves Avon Lake, OH, will prepare your new commercial liability insurance documents for the landscaping upgrades.

Running a business in Ohio can be challenging, rewarding, and unpredictable. Along with the complexities involved in marketing and understanding the buying signs and habits of your ideal customer protecting your business from financial loss is likely the most important step you can take in running your business. 

Licensed Insurance Agents at Meiners Insurance in Avon Lake, OH can help! 

How Your Business Can Thrive with Commercial Insurance

Commercial insurance can provide financial protection for businesses in the event of unexpected financial loss.

• Ohio business owners benefit from having commercial insurance when they can easily recover from damages or loss with minimal impact on their day-to-day operations or their bottom line. 
• Having commercial insurance helps Ohio business owners mitigate risks related to liability claims that can lead to exorbitant legal fees, settlements, or judgements against you or your business. 
• Business owners can breathe a deep sigh of relief when they learn that most of these claims can be covered under their commercial insurance policies. 

Having peace of mind in managing the day-to-day operations of your business is one of the best benefits of commercial insurance.

Business insurance can help protect your company in the event of temporary shutdowns, liability claims, cyber theft, loss of inventory, property damage, and more!

We Can Help!

Talk to a commercial insurance expert at Mainers Insurance in Avon Lake, OH to learn about the best commercial insurance coverage options for your Ohio business. Licensed commercial insurance agents can answer your questions about commercial insurance, explain your available policy options, and provide you with a free quote. 

Don’t wait until it’s too late! Contact a licensed commercial insurance agent at Meiners Insurance to get a free quote and protect your business today! 

Meiners Insurance is an independent insurance agency located in Avon Lake, OH. We offer a wide range of commercial insurance products and can tailor a policy to fit your specific needs. When you are shopping for commercial insurance, it is important to know what is and isn’t covered in a policy. No two policies are exactly alike, and exclusions vary from company to company. However, there are some exclusions that are fairly standard in the insurance industry.

Here are four of the most common exclusion in commercial insurance policies:

1. Intentional Acts: If you or one of your employees intentionally damages property or harms someone, your commercial insurance policy will not cover the resulting damages. This includes damage caused by vandalism, terrorism, and riots. 

2. Criminal Acts: If you or one of your employees commits a crime, your commercial insurance policy will not cover any damages that result from the criminal act. This includes damage caused by fraud, theft, and embezzlement. 

3. War and Nuclear Hazards: Most commercial insurance policies exclude damage caused by war or nuclear accidents. This is due to the fact that these events are typically uninsurable. 

4. Pollution: Many commercial insurance policies exclude pollution-related damage. This includes damage caused by hazardous materials, mold, asbestos, and lead paint. If you need coverage for pollution-related risks, you will need to purchase a separate pollution liability policy. 

Get Commercial Insurance Today

These are just four of the most common exclusions in commercial insurance policies. It’s important to read your policy carefully so that you understand what is and isn’t covered. If you have any questions about your coverage, contact Meiners Insurance Agency in Avon Lake, OH. We would be happy to help you find the coverage you need at a price you can afford!

In this day and age, having a business in Ohio is going to come with a lot of responsibilities and concerns. A large concern today is hacking, data breaches, and ransomware. This is what cybersecurity insurance is for in your commercial insurance policy.

At Meiners Insurance, we want Avon Lake, OH business owners to have the most thorough cybersecurity protection possible. In addition to cybersecurity insurance, there are steps you can take to protect your company’s data, networks, and technology.

Password Protection

Having a good password policy at work can change the face of your entire business. Make sure that you have password protection for each of your devices and users. Create passwords that are impossible to guess, using long characters and words a hacker can’t detect.

Install Security Software

You may already have anti-spyware and anti-virus software on your network. Beef that up a little with security software that will protect everything.

Be sure that you have updates on everything and have all operating systems fully up to date. You want to also be sure that this information is only available to certain employees. 

Your IT department, or yourself if you don’t have one, should be the only ones responsible for updates to your technology and software. Limit access to ensure your internal threats are minimized.

Lock Up Technology When Not in Use

When your business is closed for the day, make sure that your technology is locked up or secure. Passwords are one way to do this. Keep technology not in use in a safe or locked closet when and wherever possible.

Keep a list of all of your technology and inventory and update it on a regular basis. Your commercial insurance company will be happy to know that you have a tight security system for your technology.

Get Cybersecurity Insurance Today

If you don’t have cybersecurity insurance yet, now is the time to do it. At Meiners Insurance, we want Avon Lake, OH business owners to have thorough coverage to meet their cybersecurity protection needs. It is easier to get this insurance when you have an established security system in place. Call us for a quote today.

Do you own a small business in the Avon Lake, OH area? If so, it is a good idea to consider purchasing umbrella insurance. What is umbrella insurance, and why is it important if you have your own company? Our team at Meiners Insurance has put together a brief guide to help you out.

Understanding Umbrella Insurance

As the name suggests, umbrella insurance extends liability coverage on your home and auto insurance to act as a canopy of additional protection. Should you find yourself the subject of a major lawsuit, this type of policy can help protect you and your personal assets. It is vital to have this type of policy if you own a home, have rental properties, or otherwise enjoy a moderate to high-income level.

Why Small Business Owners Need Umbrella Insurance

As a small business owner, you take on an increased risk versus someone who works for an employer. While you already have adequate commercial insurance to take care of any mishaps, there are times when the coverage available with those types of policies isn’t enough to take care of the whole claim.

In that case, you could be open to a potential lawsuit or other costly claims. The opposing side might try to seize personal assets as part of their settlement, which could mean losing your home or worse. While it sounds like an improbable situation, there are business owners all over Ohio who face this as a real possibility every day. In this instance, having an umbrella policy could help ensure that situation doesn’t happen.

Ready to learn how you can protect your personal assets as a small business owner? Meiners Insurance in Avon Lake, OH is here to help. Please contact us today to schedule an appointment.

If you’re a business owner in Avon Lake, OH, then it’s absolutely crucial that you not only understand how commercial insurance works but that you have commercial insurance yourself. If you’re wondering what commercial insurance is, then read on to learn the in’s and out’s of commercial insurance basics and how you can protect your business. Then, get a consultation with Meiners Insurance to find the right coverage policy for you. 

What Does Commercial Insurance Cover?

Commercial insurance provides financial protection for you and your business’s property, reputation, and employees. Here are some areas in which commercial insurance can provide coverage: 

• Liability
• Property damage
• The damage was done to another business.
• Injury to an employee while on the property
• Legal fees for lawyers and libel

These are just some of the areas in which commercial insurance can provide coverage. The specific type of commercial insurance coverage and the amount of coverage you will receive will depend on the policy you choose. To find the right coverage policy for you, visit Meiners Insurance for a consultation. 

Why Is Commercial Insurance Important? 

Commercial insurance is necessary if you want to keep your business going for a long time. Not only do you get financial coverage for your business through commercial insurance, but you also are provided with peace of mind for your employees, who are so vital to your business. It’s important for you to protect your greatest achievement since you put everything you have into creating it. Having that coverage can save you from worrying about how your business will recover, so you can focus only on how your business will thrive.

Get Protected with Meiners Insurance

When it’s time to get the right coverage policy for your business, visit Meiners Insurance for a consultation. Our office proudly serves the Avon Lake, OH area.