So you run a call center and think to yourself, “why would I need insurance?” Well, you might just be surprised at the risks your business faces on a daily basis.
No problem, though. Our independent insurance agents are here to help learn about your business, identify your own unique risks and cover them properly. But first, let’s talk a bit more about what you can expect for protection in the call center world.
Telemarketing firms, call centers, and answering services tend to employ a large number of people — lined up in cubicles as far as the eye can see. Depending on the size of the firm, the probabilities of certain risks can go up or down. Typically of concern to insurers of call centers are third-party bodily injury and property damage, as well as risks and property damage from fires, weather events, theft, and vandalism.
But property damage aren’t the only concerns. In addition, call centers need to protect employees from job-related illnesses, injuries and also take the right steps to ensure that any confidential information in their possession is protected.
If your office space is damaged by some unforeseen event and you need to close up shop for a bit or make big repairs, the financial hit can be devastating to your operation. Your goal is to protect:
In addition, you need to protect your corporation from lawsuits and other damage claims made by current or former employees, customers, vendors, or other third parties.
The best way to make sure you have the right protection in place is to talk with an independent insurance agent. They’ll help you pull together a variety of business insurance policies to create comprehensive coverage that’ll help you sleep at night — if you’re not open 24/7, that is.
Starting with your office space and other business property, you’ll need several types of coverage, including:
Business property insurance protects your building and its contents, including computers, office equipment, furniture, and all of your business personal property — owned or leased — if it’s damaged by fire, smoke, theft, vandalism, or some other covered peril. You need this coverage to protect your expensive phone and communications equipment as well as all the other contents of your office space.
If any damage forces you to temporarily close or relocate, business interruption coverage reimburses you for certain expenses (rent, salaries, etc.) and income lost during the closure or relocation period.
You may also need additional property coverage. Talk to an independent insurance agent to discuss whether or not you need the following:
Call centers, answering services, and telemarketing companies need liability insurance to protect themselves from lawsuits and claims of third-party bodily injury or property damage. Some liability policies provide broad coverage for a wide variety of occurrences, while others offer very specialized, tailored coverage. Talk to your independent insurance agent about which types of liability coverage are right for your business.
In order to find the best coverage for your business, it’s important to find the right insurance agent. Call centers and telemarketing companies should seek an experienced independent insurance agent who can work with insurance companies that specialize in coverage for businesses like yours.
Together with your agent, you can assess your specific business risks and find the right mix of property, liability, and specialty coverage to protect your assets from lawsuits and other claims.
Independent insurance agents are kind of like the Google of insurance quotes. You tell them what you’re looking for, and they bring in the results. And since they aren’t tied down to one carrier, they’re free to shop around and bring multiple policy options to the table.
And it gets better, you don’t have to review the policy options alone. They’ll walk you through everything you need to know about finding the right coverage, and price, for you. But it doesn’t end with your signature. Along the way, if something bad ever happens, they’ll handle the entire claim process for you and deal with the carrier, so you can focus on your call centering empire. How sweet is that?