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Fairfax, VA 22030

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Business Insurance Should Not be Treated Like an Expense

Joseph Coupal - Friday, June 29, 2018

Too often business owners feel like paying for business insurance is a waste of money, money that is going out into the ether, never to be seen again. For this reason, business owners want to keep that monthly bill as low as possible, so they are often not insured properly. Unfortunately, when you are dealing with a loss is a bad time to find out you have the wrong or not enough business insurance coverage.

Commercial insurance is extremely important to the health and security of your business, regardless of the type of business you own. No business owner should treat business insurance as an expense, because in the case of a you’re your business insurance can be your “best asset”. You can be sure that your insurance policy is tailored to your specific needs, potential risks, and your budget.  A business insurance broker can offer advice as to the style and level of insurance coverage that you need to protect your business.

Whatever your commercial insurance needs, TriState Business Insurance can design an insurance policy. Our business insurance services include, but are not limited to the following:  

  • Auto Insurance
  • Small Business Owners Policy
  • Business Interruption
  • General Liability
  • Professional Liability                                             Property
  • Umbrella Insurance
  • Workers Compensation
  • Restaurants, bars, hotel and night clubs
  • Contractors
  • Home based business

For information on business insurance or for a review of your policy, contact TriState Business Insurance.

Vacant Home Insurance - Not Being There Introduces Very Real Risks - VA, MD, DC

Joseph Coupal - Saturday, June 23, 2018

Whether your home is for sale, under renovation, or part of an estate, you should strongly consider consulting an independent insurance agent about the risks associated with not being there and to review your vacant home insurance policy options (in Leesburg, VA). Consulting one will open you doors of opportunities to protect your home and everything inside it while it is unoccupied for various reasons.

Many people vacate their home but fail to consult their insurance agent/advisor. They wrongly assume that their homeowner’s policy will cover the new sitaution. While that policy will protect a home from certain risks it likely will not cover all risks. Every home owner should be advised that some insurance providers will deny claims on an existing homeowner’s policy for homes that are no longer occupied. That is why you really need to consult your agent and determine what should be done in order for you to achieve a comprehensive coverage for your property.

The vacant home and property insurance policies that we independently research and we write throughout VA, MD, DC can help you provide the protection that your property needs when there is no one around. Just because you the home is not occupied does not mean it no longer needs protection while you are away. For this reason, it is really imperative to consult an independent agent about it, know you options, and come up with a comprehensive insurance for your vacant home.

To find out more about vacant home insurance, contact TriState Business Insurance.

Hotel Insurance in Virginia, Maryland and DC

Joseph Coupal - Saturday, June 16, 2018

The Virginia, Maryland and District of Columbia is host to high end conference hotels, smaller bed and breakfasts, and resort style accommodations. Just as all of these hotels are different styles, so should your hotel insurance be different from your competitor’s.

Your hotel or motel business insurance package should be tailored to protect your specific hospitality services. If you have multiple locations, your policy should include multi-state coverage. Whether you serve food and liquor or hold functions  all changes your coverage needs.

TriState Business Insurance can offer you a rate for your hotel insurance policy that reflects your business’ distinct characteristics. We consider the limits, coverage and deductible requirements you have chosen, as well as past loss experience and loss-prevention efforts. We also consider your current hazard control and safety features. For your hotel or motel insurance needs, contact us.

Business Umbrella Insurance Gives Your Business Another Layer of Protection

Joseph Coupal - Friday, June 15, 2018

All businesses need business insurance. Business insurance coverage is your safeguard against any unforeseen problems, disasters or issues adversely affecting your business financially. You pay your insurance premium for protection against any kind of future loss.

With the correct commercial insurance coverage in place you can have peace of mind that your business is protected financially in the event of a loss, accident, injury, or successful lawsuit. A smart business owner will have multiple types of business insurance in place, including general liability, employee liability, commercial auto and others depending on your type of business.

However, another policy that most business owners should have in place is business umbrella insurance. An Umbrella Insurance Policy provides added liability protection by increasing the limits on your liability insurance. Umbrella insurance also gives added financial protection in the event of a law suit being filed against your company when your existing liability insurance policies cannot cover all expenses.

Essentially considered as another layer of protection, umbrella liability insurance will help ensure that your business is protected. For more information on how umbrella liability insurance can help your business contact TriState Business Insurance.

Bars and Nightclubs have Additional Insurance Needs - VA, DC, MD

Joseph Coupal - Friday, June 08, 2018

Bars and nightclubs have certain inherent risks that are particularly unique to their industry. However, while the risks are universal, the level of risk is not. As a result, there is no such thing as a one-size-fits-all insurance policy.  In general, liquor is served at venues where live music is played.  Additionally, expensive light and sound systems are part of the infrastructure as are crowds, performers and staff.
Wherever alcohol is served, additional insurance protection is necessary. Business Insurance is needed to protect you from potential liability caused by assault and battery, crime, and liquor related liability. However, live music venues have greater risks than just liquor liability.

Other areas that need insurance coverage tailored to the needs of bars and nightclubs. Because you host live music, you need coverage for against accidental loss or damage, theft, and fire protection for your venue as well as musical instruments, entertainment equipment, sound and lighting, audio visual equipment, film and video equipment.

Additionally, you need insurance protection for liability from performers and staff, corporate and private functions, dance parties, and concerts and the like as well as personal accident insurance for entertainers, musicians and voluntary workers.

Quite a bit of money is spent on scheduling and upcoming events, you need protection from loss from show cancellation, non-appearance and weather insurance.

When you stage live music there are some risks that are inherent to your business. To be sure that you are properly insured, contact TriState Business Insurance.

Motorcycle Insurance Policy – Taking Care of Your Basic to Specific Needs - VA, MD, DC

Joseph Coupal - Friday, June 01, 2018

Researching motorcycle insurance coverage with an independent agent (vice going directly to one of the "big insurance houses") ensures that you will get the best value for your insurance dollar. An independent insurance agent who works for you (vice the insurance company) is your avenue to securing the most comprehensive coverage and protection against injury, collision, theft, and vandalism. Allow the professionals at TriState to shop over a dozen different top-rated insurance carriers as YOUR agent to deliver maximum value.

The motorcycle insurance specialists at TriState (VA, MD, DC) will offer options on how to best protect you and your investment while staying well within your insurance budget. It not only protects your motorcycle against stolen or vandalized parts but also has an accessory coverage for all the extra components of your motorcycle such as radio and helmet. Such insurance policy will also compensate for your medical expenses if you have been hurt while riding and driving your motorcycle. And if you ever cause damage to another person’s property or a passenger, its liability coverage will take care of it. For instance, if you commit injury or incur property damage caused by another uninsured or underinsured motorist and he does not have sufficient insurance coverage, yours can cover for it.

You definitely should have a policy that frees your mind of damage and liability concerns. Your ticket to affordable, quick, and easy motorcycle insurance is simply a phone call away. We stand ready to take your call.

To find out more about it, contact TriState Business Insurance.