Tristate Business Insurance Blog

Every owner has unique business insurance needs. But, if your business employs trades people, than you are in need of a particular complement of insurance policies.

At TriState Business Insurance, we deal with insurance that is specifically related to your industry every day, allowing us to stay on top of the constantly changing insurance market.
 
As an employer of trades people you will need a business insurance policy that includes General Liability, Workers Compensation, Pollution Coverage if you work with any hazardous materials such as Freon, Business Interruption insurance and most likely Fleet auto insurance if your employees use company vehicles.

With employees working at hazardous job sites, you certainly do not want to find out the hard way that you are under insured. Whether it be residential or commercial HVAC installation, construction or electricity work, we can create a business insurance policy that meets all of your needs. you with an A-1 rated insurance company best suited to meet your HVAC insurance needs.

Don't risk everything you worked for. Contact us, we can create a business insurance policy that is both comprehensive and affordable.

Anything can happen. When you have a family and own a home, you want to be sure that whatever happens you are financially secure. Home owners insurance and insurance for all of your personal property is the first step in ensuring that whatever happens, you and your family can bounce back.
 
Protect your home and all of your personal property with the right insurance. TriState Business Insurance will provide personal insurance policies that will protect your most important assets and provide coverage for your largest concerns.

The weather is warming up, if you have a boat, ATV, camper, motorcycle or other recreational vehicle that you want to get back on the road, you can get the best price possible by combining all your personal insurance policies with us.
 
As an insurance broker, we will find the best carriers for your property and your economic situation. If you want to protect and provide coverage for your home and family, contact TriState Business Insurance. We can provide this “Peace of Mind” for you.

With the increase in commercial insurance costs and the increase in the cost of doing business today, business owners need to be careful in how they are spending their money. Increases in competition and the tightening of wallets make it more challenging than ever to increase profits.

If your business is insured through a large insurance company, it may be worthwhile to consider insurance brokers for your business insurance.
 
Insurance brokers have your best interests and your bottom line in mind when they develop an insurance policy custom made for your business. Insurance brokers, TriState Business Insurance in particular, understand you and your business better than any “big box” insurance company can.

Working as liaison between you and the insurance company your independent broker knows how to develop a policy that can protect you from liability and damages while giving you the most for your money. If you need a particular type of insurance, like liquor liability or garage insurance, a broker can shop around where a big brand insurance company cannot. This makes the broker unique; the broker works for no one insurance company.

This is how a  business insurance broker can offer your business a competitive advantage.

If you want competitive rates and an effective insurance solution, contact TriState Business Insurance.  

Garage insurance is liability insurance for garage owners and car dealerships. As a rule of thumb, if your business works with in any way with other people's cars, you probably need garage insurance.

Garage insurance is also called motor trade insurance. Garage insurance protects your business from claims involving customer's cars and trucks while on business premises. The term garage refers to any automobile dealers, auto repair shop, service stations, auto storage garages, parking lots, valet services, and delivery and towing operations.

Garage Insurance is a specialized field.  Your insurance broker needs to really know your industry. The biggest mistake garage owners make is basing the insurance buying decision on price. There are major coverage differences between garage insurance packages.

A  Garage Policy is a combination Business Auto Coverage form and Commercial General Liability Coverage form.
 
TriState Business Insurance garage program provides an affordable way for you to cover your automotive services. Let us take care of protecting your business with providing a tailored insurance program for your automotive repair shop.

Contact us and let us review your current insurance policy.

Commercial insurance is absolutely necessary when running a business. Businesses must be protected with business liability insurance, as well as workers compensation. Restaurants are no different in that they need protection for liability; however the types of insurance they need is much more comprehensive because their exposure is greater.

The business needs of restaurants are different and your insurance coverage needs to be tailored to your potential exposure. At TriState Business Insurance, we offer every type of restaurant insurance coverage as well as the liability needs that are unique to your restaurant.
 
Tristate specializes in providing the right protection for Restaurant owners. We understand that your insurance risks and needs are much different than any other industry. Contact us to see how you and your business can be better protected.

Just because you are a new or small business, this does not mean that you are exempt from large dollar lawsuits or loss. Small Business Insurance is designed to protect you, the entrepreneur, from loss as you figure out how to run your business.

While you are just starting up, you may feel that business insurance is too costly for your small business. Unfortunately, it could turn out that not having small business insurance is even more costly. In the case of a loss or a law suit, the expense can and most likely will result in fees far more expensive than an annual premium.
 
If your business faces an unexpected risk: fire, theft, injury of a worker or customer without the proper business insurance coverage, the expense of the claims could potentially put an uninsured small business or owner out of business. Having small business insurance is a must.

Contact Tristate Business Insurance, we will take care of you while you take care of your business.

Give your business a gift this holiday season. The gift of a better comprehensive insurance policy. When was the last time you had your business insurance policy reviewed? It could be worth doing.

Every business should have an insurance policy custom-made to meet its needs. This is the advantage to using an insurance broker, we shop around. We can create a policy for your business that is the most economical way to insure your business while offering the best protection.  TriState Business Insurance teams with business owners within all industries to protect your business and your livelihood.

There is no cost or effort on your part to having your business policy reviewed. Simply call TriState Business Insurance and we’ll review your policy for you. If we can come up with a more efficient and comprehensive policy, we will, if not, either way is great for you and your business.

TriState Business Insurance designs custom business insurance solutions that provides business owners with both comprehensive and affordable business insurance coverage, contact us.  

If you offer valet services you need valet service insurance. Valet service is not just parking, valet services provide personal services to hotel guests, such as ironing clothes, laundering, dry cleaning, garment repair and shoe shining. Hotels are the clients of valet services, who use them with the goal of increasing their level of customer service.

Parking garages, restaurants, bars, hotels, theatres, hospitals and nightclubs also use valet services for parking.

General Liability Insurance for Valet Services – The above businesses that offer valet parking  services have significant exposure for valet services. Your employees could crash your customer’s vehicles or a vehicle could be broken into or vandalized while parked.
 
Your business can have Garagekeepers Legal Liability as a stand-alone policy or you can have it endorsed onto the General Liability policy of your business insurance.
 
Whether you hire a valet service or provide your own make sure you protect yourself from the potential problems that come along with auto liability. Contact TriState Business Insurance for more information on Valet Service Liability Insurance.

Did you know that if you or your employees are using personal vehicles for business and you get in an accident, the accident may not be covered under your personal auto policy? It is true.

Commercial automobile insurance is there for a reason. Make sure your employees are properly covered and save your business from unwanted risk.
 
With commercial auto insurance, the policy should include liability, property, injury, medical, collision and comprehensive, un- and underinsured motorist, towing and rental.

Every business has specific needs however. Perhaps yours is seasonal, or maybe your are in the towing business. Perhaps you are in the livery business or transport expensive merchandise. Contact TriState Business Insurance for your specific commercial auto insurance needs in the DC, Virginia, and Maryland area.

Despite the strange name, Inland Marine Insurance should be considered as part of a comprehensive business insurance plan. Inland marine insurance is the insurance of moving or moveable property. Its beginnings began when products were transported to non-ocean vessels like barges. But inland marine also pertains to insurance of moving or moveable property on land.

Inland Marine coverage includes property that involves an element of transportation. This type of policy covers goods in transit, including:

• Property in transit
• Buildings under construction
• Computer equipment and data
• Accounts receivable
• Property held by a bailee
• Fine Artwork

For more information on Inland Marine Insurance for you business, contact TriState Business Insurance.