Commercial insurance tailored to your needs
If you need commercial insurance in Charleston WV, Hurricane WV, Kanawha County WV, Nitro WV or St Albans WV, the Evans Agency can help. They offer full business and commercial insurance solutions at competitive rates. Your business is a valuable asset that you work hard at. You have many things on you plate and don’t still want to worry about the technicalities of insurance. It’s a good idea to leave you commercial insurance needs in the hands of a competent independent agent such as Evans. That way you can have peace of mind and can concentrate on running and managing your business.
A good starting point for commercial insurance is the business owner’s policy or BOP. This covers some major elements such as property, liabilities and business interruption. A business owner’s policy is a good fit for any business that owns property and also required general liability cover. A business owner’s policy can also be customized to include electronic data loss, commercial crime and terrorism. Generally, a BOP does not cover commercial auto, workers’ compensation, flood damage, professional liability or medical.
Many businesses face similar risks but each type of business also has specific risks. If you own a body and car repair shop you have different risks to say a travel agency. Commercial insurance can be tailored to your specific business needs. Package insurance solutions are already in place for certain types of businesses such as contractors, garages, builders and body shops. It does not matter what type of business you have, there is an affordable commercial insurance solution for you.
It is always good to know what you are insured for, what is excluded, how much you are insured, if there are any limits and what the excesses are. That way there are no unexpected or nasty surprises when it comes to claim time.