Clarksburg, WV, is known for its famous residents and small-town charm. It's home to history dating back to the 1700s. When you live in this 15,621 populated city, you'll have opportunities.
If you operate one of the 113,410 small businesses in West Virginia, you'll need protection. Fortunately, an independent insurance agent can help. You can connect easily with a local adviser today.
Employee Policies Every Business Should Consider in Clarksburg, WV
Workers' compensation insurance: This will protect your finances from a large loss. When an employee gets injured or ill on the job, workers' compensation will pay for medical expenses and lost wages. This policy is state-mandated insurance that should be handled by a professional.
Workers' compensation is required and regulated in West Virginia. If you're without adequate coverage, you'll be penalized or worse. Connect with a Clarksburg independent agent to discuss.
Employee benefits coverage: With 275,145 people in West Virginia employed by small businesses, you'll need to add value. If you're looking to retain and attract staff employee benefits, coverage can help. This coverage will contribute to your employee's health insurance and more. Speak with a local agent to create a plan that works.
How to Have the Right Commercial Property Insurance in Clarksburg, WV
Are you aware that commercial insurance may not have the protection you think it does? With many property policies on the market today, you're only getting 80% of the building value covered in a loss. That means the first 20% is your responsibility. To get the right coverage, speak with an agent on the following items concerning your building:
- Year built and structural makeup
- Total square footage
- Operations that occupy the property
- Market value and replacement cost
- Protective devices in place
- Prior property claims
Common property risks in Clarksburg, WV, are listed below:
- Flooding and water damage
- Severe storms and lightning damage
- Hurricanes and tropical storms
- Burglary and other property crimes
- Severe storms and lightning damage
Does your Clarksburg commercial property have flood insurance?
Flood damage is not covered under your primary commercial property policy. If you want coverage for flooding, you'll need to obtain flood insurance. A local independent agent can get FEMA-approved quotes fast.
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Does Your Clarksburg, WV, Business Have Enough Liability Coverage?
In West Virginia, there have been $1,699,944,000 in claims paid in 2019 alone. In order to cover a loss properly, your liability policies need to be accurate. Talk with an independent agent to go over the following liability insurances:
Business interruption insurance: Business interruption insurance will pay for your expenses when a catastrophe shuts you down. It will cover up to two years, saving your company from permanent closure. Connect with a Clarksburg independent agent to get this added to your GL policy.
General liability insurance: GL insurance will apply if your business gets sued due to a bodily injury or property damage claim. The proper limits are needed if you don't want to pay out of pocket. Discuss your GL insurance with an independent agent.
Cyber liability insurance: Cyber liability insurance will help pay for damage resulting from a cyberattack. When sensitive information is stolen, you'll be responsible for the loss. Contact a Clarksburg independent agent for a quote.
Why Working with a Clarksburg, WV, Independent Agent Saves You Money
Your business's coverage is essential to your operation. To have the right policies in place, you'll need the help of a professional. An independent insurance agent can get the coverage and premium your business desires.
An independent agent works on your behalf at zero cost to you. It's their job to save you money. Connect with one of the West Virginia experts on TrustedChoice.com in minutes.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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