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Featured Daniel Carinci Agency, LLC Blog

The Wide World of Commercial Insurance

Commercial insurance offers more than 25 common types of insurance. Daniel Carinici Agency LLC in Pittsburgh, PA can help you cover the five most common types of commercial insurance coverage.

Here are some of the many specialty types of insurance like glass insurance, boiler insurance, etc.

Commercial Coverage for Structures and Other Property

Your Pittsburgh, PA, business needs more than a business owners policy (BOP) or liability policy. Your company also needs to cover the building it owns, its inventory, business equipment, and other assets. To do this, you may need to add one more of the following types of coverage to your commercial policy package:

  • Accounts receivable insurance
  • Auto physical damage insurance
  • Boiler and machinery insurance
  • Builder’s risk insurance
  • Commercial building policy
  • Commercial crime insurance
  • Farmowners insurance
  • First-party cyber insurance
  • Glass insurance
  • Inland marine insurance
  • Ordinance or law insurance.

Don’t worry if that seems like a lengthy list because most businesses only need a few of the types listed.

Determining Which Insurance Coverage Your Business Needs

Your Daniel Carinici Agency LLC insurance agent provides the best source of knowledge about which coverage your company needs. Our agents meet with you to discuss your business, asking questions that uncover hidden coverage needs. For instance, a business might purchase its first commercial vehicle after three years of doing business. That triggers a need for commercial auto insurance even though the company only owns one fleet vehicle.

Contact Us Today for a Review

Don’t get caught without the commercial insurance coverage your Pittsburgh, PA business needs to succeed. Contact our insurance office for an insurance review. Let us help you determine if your business needs glass insurance or cyber insurance.

What Type of Commercial Insurance Does My Business Need?

Commercial insurance is essential for business owners, regardless of the size of your business. However, the types of insurance you’ll need depend on your business. At Daniel Carinici Agency LLC in Pittsburgh, PA, we offer commercial insurance. 

Types of Commercial Insurance

General Liability Insurance 

General liability insurance will provide protection from most types of liability claims. If someone is injured or their property is damaged while on your premises, this policy will cover the expenses. 

This policy also covers some other concerns, including false advertising and slander. 

Commercial Property Insurance 

 Commercial property insurance covers any property that you own or lease as a part of your business. This includes stores, manufacturing centers, and office buildings. 

Property insurance covers the structure itself and your possessions and equipment.  If your building or property is damaged, this coverage will pay for repair or replacement. 

Worker’s Compensation 

Worker’s compensation insurance covers your employees. If you have one or more employees, PA law requires you to have this policy. 

If an employee is injured on the job, worker’s compensation will cover lost wages and medical expenses. 

Professional Liability Insurance

You should consider professional liability insurance if you offer a service as part of your business. If a customer is harmed by the service you provide, this policy provides financial protection.

For example, if you make an accounting error that costs your client money, professional liability coverage will cover the costs. 

Business Interruption Insurance

Business interruption insurance is a great idea if you have a small or medium-sized business. If you are unable to conduct business due to property damage, this policy will cover your lost income until your business can become active again. 

Reach Out To Us

If you need commercial insurance in Pittsburgh, PA, contact us at Daniel Carinici Agency LLC. Our knowledgeable agents will help you determine which policies your business needs. 

4 Tips For Shopping For Commercial Insurance

The process of shopping for commercial insurance can be quite daunting. There are numerous alternatives and coverages to select from, and it might be difficult to decide where to begin. The good news is that there are some simple tips you can follow to make the process a little easier. Daniel Carinici Agency LLC in Pittsburgh, PA is here to guide you on how to find the best commercial insurance.

4 Tips For Shopping For Commercial Insurance

1. Know Your Business Needs

The first step in shopping for commercial insurance is to take a step back and assess your business needs. What types of risks does your business face? Do you need property insurance in case of fire or theft? Do you need liability insurance in case someone is injured on your premises? Once you understand your business risks well, you will be in a better position to shop for the right coverage.

2. Get Multiple Quotes

It’s time to start shopping around once you’ve determined what sort of coverage you require. Get quotations from several insurance firms in Pittsburgh PA to help you compare rates and coverage choices. Be sure to ask about any discounts that may be available, such as loyalty discounts or discounts for insuring multiple properties with the same company.

3. Read the Fine Print

Before signing any insurance policy, it’s critical to read the fine print. Read the exclusions and limitations carefully to understand what is covered under your policy. You should also make sure you understand the claims process so that you know what to do if you ever need to file a claim.

4. Work With an Experienced Agent

Working with an experienced insurance agent can make a world of difference when shopping for commercial insurance. A good agent will work with you to assess your risks and find the best possible coverage at the most affordable rate. They will also be there to help if you ever need to file a claim.

Contact Us Today

With these five tips in mind, shopping for commercial insurance should be a little easier. Remember to assess your risks, get multiple quotes, read the fine print, work with an experienced agent, and review your coverage annually. If you do all of this, you should be able to find the right policy at the right price. Contact Daniel Carinici Agency LLC or visit our offices in Pittsburgh, PA for a quote today.

A Few Ways That Pennsylvania Business Owners Can Modify Their Commercial Insurance Policies

Daniel Carinici Agency LLC serves the Pittsburgh, PA community and the surrounding areas. We are committed to helping our clients find the coverage they need to protect their assets. We take the time to address each of our client’s individual concerns. This allows us to offer custom policies that align with their goals.

 A Few Ways That Pennsylvania Business Owners Can Modify Their Commercial Insurance Policies

The Pittsburgh, PA marketplace is competitive. As a business owner, you are constantly looking for ways to improve and stand out from the competition. Having a strong commercial insurance policy helps alleviate some stress and ensures that your business is covered if an emergency arises. The policy covers your business if your equipment is stolen or damaged in an accident. Your property is also covered in the event that it suffers damage due to an accidental fire or inclement weather. Liability coverage protects you if a customer is injured while visiting your store. You are also covered if your products cause property damage. Workers’ compensation protects your business if there is an employee injury in the workplace. While looking over your commercial insurance policy, there are a few ways that you can modify it to add extra coverage.

Cyber Liability Coverage

Due to the high volume of online transactions in today’s marketplace, cyber liability coverage is a worthwhile investment. This type of coverage protects your business in the event of a data breach, where hackers obtain access to sensitive information.

Emergency Interruption Coverage

Emergency interruption coverage protects your business if your property suffers extensive damage and needs a few months’ worth of repairs. Emergency interruption ensures that your business will continue to function while the repairs are made.

Daniel Carinici Agency LLC Will Help You Protect Your Investments

Contact us today to learn more information about commercial insurance.

Commercial insurance lines most businesses can benefit from

Commercial insurance is not one size fits all. It needs to be customized to fit the business it is covering. There is no point in having insurance that you won’t benefit from. You need an insurance agent who understands your type of business and the hazards you face. Daniel Carinici Agency LLC  in Pittsburgh, PA is an independent agency and we take the time to get to know our customers and their insurance needs. 

Commercial property insurance

Not every business owns the building where they do business. If you think you don’t need commercial property insurance because you are a renter, you are wrong. While the building certainly is part of the coverage if you own it, it covers much more than that. You need a lot of other things to run your business, no matter what type of business you have. It can be tools, machinery, office equipment, inventory, raw materials, and your records. All of these need to be protected and, if damaged, need to be replaced. That is where your commercial property insurance comes in. 

Commercial liability insurance

As a business owner, you stand a very good chance of being involved in legal action at some point. It is just the reality. If you lose the judgment, it could cost you your business if you don’t have commercial liability insurance to protect you. You can be sued by a client, by a vendor, or even an employee. 

Workers compensation insurance

Having workers’ compensation coverage is not optional in Pennsylvania. If your business has one employee, either full or part-time, you are mandated to have workers’ compensation insurance. If you don’t comply, you will face penalties. It makes sense since having this insurance protects both employees and employers. 

Contact Daniel Carinici Agency LLC in Pittsburgh, PA to discuss your business insurance needs. 

Is My Home Business Covered Under My Homeowners Policy?

Many people are self-employed, whether they’re running a small business from home or just trying to generate some extra income. This can be a great way to have more control over your work schedule and not have to commute every day. But it also comes with risks that you might not think about when you start out on your own.

One of those risks is having your home office damaged by fire, theft, vandalism or other disasters. Homeowners insurance is probably something you’ve heard of, but does that policy apply when it comes to your home business? Here’s what you need to know about homeowners insurance and whether or not your home office is covered.

What Is Homeowners Insurance?

When most people think about their homeowner’s insurance, they think of the coverage on their actual house itself. If the house catches fire or is damaged by a windstorm, you’re going to want homeowners insurance to pay for repairs. And if your house gets burglarized, a homeowners policy might cover your lost possessions as well.

But that’s not all it covers. Many people don’t realize that they also have personal liability coverage on their homeowner’s policy that can protect you if you accidentally injure yourself or damage property.

What Your Homeowners Insurance Won’t Cover

There are a lot of things that your homeowner’s insurance won’t cover for business use of your home, including:

  • Business Property: This includes equipment and inventory used in your business. So if you damage tools or supplies, they won’t be covered under your policy.
  • Damages Caused by Employees: Generally, employers are responsible for injuries that happen on the job because it’s part of their business. While you can purchase Employer’s Liability Insurance to cover this, if your employees are family members or friends working for free, it won’t be covered under your homeowner’s policy.
  • Hired Equipment: Any rented equipment must have its own insurance policy through the rental company because it isn’t covered under your homeowner’s policy.

As you have seen, there are aspects of your home business that won’t be covered under a homeowners policy. So, if you want to protect yourself and your investment in Pittsburgh, PA talk to an agent from Daniel Carinici Agency LLC. We can help you find the right coverage for your home business.

Commercial Insurance: What Liabilities Does Your Business Need to Worry About?

Commercial insurance is an insurance policy that you get to protect your business from any kind of risk that could cost you just because you are open for business. There are a number of liabilities that you need to worry about.

At the Daniel Carinici Agency LLC, we want you to stop worrying about these liabilities. The right commercial insurance product will put your mind at ease, and protect you from every possible liability.

Commercial Liability Insurance

Commercial liability insurance is the most standard commercial insurance policy. It will protect against a number of liabilities that your business could face. If something happens at your place of business, and you are found to be liable, you could make a claim on your commercial liability insurance.

Personal Injury

Personal injuries such as slips and falls happen at American businesses annually and send millions to the emergency rooms every year. Your commercial insurance can protect you against these liabilities if a customer suffers an injury at your business. If you have vendors or contractors working in your place of business that suffer an injury, you can also file a claim to cover those costs in the event that you are sued.

Property Damage

When property is damaged under your business watch, that could be your liability to cover. This could include anything. You might cause damage when you are fixing someone’s home or hit a car when you are delivering something. Property damage insurance on your policy will help you to cover those liabilities.

Reputational Injury

If you experience defamation or slander or are accused of this, you can use your commercial insurance to cover these problems. Some commercial insurance policies will cover this problem. Many businesses will also use commercial umbrella insurance to avoid financial losses if this should happen.

Get a Quote

At Daniel Carinici Agency LLC we know that being liable for something is an awful experience. Accidents happen. They can be costly. Call us for a quote and make sure that your commercial insurance policy is up to date.

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