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.

Does your existing business insurance give you enough coverage? Commercial Umbrella Insurance give your business more protection when your existing liability insurance policies don’t cover all the expenses.

In the event of an unexpected situation that exposes you to liability, umbrella liability or excess liability policies add give your business another layer of protection to your general liability policy or other insurance policies. You are protected when accidents happen. Accidents happen, but umbrella liability insurance helps ensure that your business is protected.

Contact TriState Business Insurance for more information on how Umbrella Liability Insurance can help your business.

When you own a restaurant, bar or nightclub, or any other business that deals in alcohol, you need liquor liability insurance. In the event of claims against your business, liquor liability insurance is insurance that protects your business against loss or damages.

Any business that deals with alcohol; whether that business manufactures, serves or sells it, liquor liability insurance is a must. Damages in suits that involve alcohol tend to be very high. This type of exposure to high liability can be very damaging to the financial security of your business. If your business serves or sells alcohol, be sure that you have the right amount of coverage.

Liquor liability coverage is available as a separate liability policy or as an add-on to your commercial liability insurance. Your standard liability coverage does not protect your business.

Virginia and Maryland are two of the few states that do not operate with Dram Shop Laws, while Washington, DC does, regardless of the laws in your state, Liquor Liability insurance is a must, contact TriState Business Insurance.

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.  

There are quite a few commercials and marketing campaigns out there that ask consumers to buy direct from the insurance company. If you can do that, then why buy your commercial insurance from an insurance broker?

A business insurance broker is considered the liaison between you, the client, and the insurance company. This makes the broker unique; the broker works for no one insurance company. A business insurance broker works with numerous insurance companies, offering a competitive advantage to small businesses.

A business insurance broker has one task, to match up your business with the right insurance company and plan. Not the only plan, an insurance broker has many companies and plans to choose from.  A business insurance broker offers competitive rates to business, and we eliminate the need for businesses to use their time requesting multiple quotes.

For information on and examples of the competitive advantage TriState Business Insurance can offer you, contact us.

The biggest mistake you could make as a business owner is thinking that your general liability insurance covers any mistakes made during consultant clients. It doesn't.

As a consultant, you help your clients with resources and expertise. Business Insurance should not be a concern.
 
Consultant business insurance protects you from the unexpected. Unfortunate events cannot get in the way of serving your clients or handicapping your business.

Also, if you are a home-based business consultant do not assume that a home office is covered by a standard homeowner’s policy. This is not the case.

TriState Business Insurance specializes in business consulting insurance for small businesses including self-employed consultants working from home. Your own personal insurance consultant will customize your coverage to your specific business needs to ensure you get the right protection at a competitive price.

Contact us so we can design the perfect business insurance coverage for your consulting business.