Does Your Business Need Cyber Insurance?

Posted on December 31, 2024January 5, 2025 by admin

There are many types of commercial insurance on the market, and most businesses need at least one type if not more. One of these types of policies is cyber insurance. An increasing number of businesses today need this kind of insurance, and your business may be one of them. To find out more about cyber insurance, you can call us at Amerisent Insurance in Las Vegas, NV.

What Is Cyber Insurance?

Companies today increasingly rely on computer systems. They use these for a lot of data storage. This often includes data about the business as well as customers and employees. It’s possible for a company to have a data breach so that this information is leaked to parties outside the business. It’s common for this information to be posted online for anyone to use. When this happens, it can be highly expensive and time-consuming to take care of. When you have cyber insurance, it helps you clean up the mess. It pays for the costs of cleaning up these breaches so that you can get back to business again.

Do You Need Cyber Insurance?

Whether you need cyber insurance often comes down to whether you store information on computers. If you do, it’s often wise to get this type of insurance. It can help a great deal after a breach so that your company doesn’t owe so much that it goes out of business. An expensive breach may wreak havoc with a company’s capital without this type of insurance policy.

Get Your Cyber Policy

When you want to keep your business protected, you need to have the right insurance policies. You may have many other aspects of your company covered, but if you don’t have cyber insurance, you may not have all the policies you need. Call us at Amerisent Insurance in Las Vegas, NV to get started.

Is BOP Insurance a Good Choice for Your Business?

Posted on September 30, 2024September 29, 2024 by admin

Protecting your assets is a critical task for a company owner or manager. One way to do this is through commercial insurance. There are several types of such insurance, and you may wonder which one to choose. If your company is located in Las Vegas, NV, our professional team at Amerisent Insurance is ready to answer all your questions about insurance.

Understanding BOP Insurance for Businesses

While buying insurance, saving money is always a top priority. One way you can achieve this is by combining your policies, for instance, through a BOP (Business Owner’s Policy). Investopedia defines a BOP as a commercial insurance policy combining property, business interruption, and liability insurance into a single policy. This combination allows you to cut costs on insurance premiums as a single BOP policy is cheaper than separate property and liability policies.

Some BOP policies can also include crime, commercial vehicles, and flood insurance. However, note that BOP usually doesn’t cover worker’s compensation claims or disability insurance. According to Investopedia, your business must meet specific qualifications to qualify for BOP insurance. You can talk to our Amerisent team to see if your company meets the eligibility criteria for BOP.

Contact Us for Your Insurance Needs

Whether or not BOP insurance suits your company, ensuring you’re adequately insured is essential. Our team at Amerisent Insurance has been providing trustworthy service to clients in Las Vegas, NV for years. We’re here to help you with all your insurance needs, so feel free to schedule an appointment today, and let’s talk about insurance.

How commercial insurance can save your small business

Posted on June 28, 2024June 25, 2024 by admin

Operating a small business can be risky, no matter where you are. However, in Las Vegas, NV, the business climate and tax laws are beneficial to small business owners. Nonetheless, even with such advantages, running a small business comes with its own set of challenges. At Amerisent Insurance, we understand these risks and are committed to helping you reduce some of them with the aid of your chosen commercial insurance.

Commercial Property Insurance

Commercial property insurance differs from home property insurance. It provides value to both the building owners and renters. This insurance merges the protection of the physical property with safeguarding all the elements you use in conducting your business. This might include machinery, plumbing supplies, office equipment, electronics, raw materials, or inventory. Having your insurance replace these items promptly can be crucial to saving your business in case of damage.

Commercial Liability Insurance

Liability is one of the most significant risks for all small businesses. Statistics show that one out of every three small businesses faces a lawsuit every year. Anyone, including customers, clients, vendors, and even employees, can initiate these lawsuits. With adequate liability coverage, your business can survive legal proceedings and associated costs.

Worker’s Compensation Insurance

In Nevada, if you employ one or more individuals, you are obligated to provide workers’ compensation insurance. This insurance serves to protect both you and your employees.

Business Interruption Insurance

Any event that disrupts your business operations can be not only frightening but may also lead to your business shutting down permanently. Your bills won’t cease even if your income does. With business interruption insurance, you can sustain your business operations until you are able to resume normal operations.

Contact Amerisent Insurance in Las Vegas, NV, to discuss your small business commercial insurance needs.

Commercial Insurance Upgrades That Will Protect Items Stored Outdoors

Posted on March 29, 2024March 31, 2024 by admin

If you store items outdoors at your place of business, take measures to protect them. The following commercial insurance upgrades can protect your investments and company.

An Inventory

Take inventory of the items you have chosen to store outdoors. Use the list to determine when to order new materials or when to inspect them. The list you compile should indicate the types of items stored outdoors and their exact location.

Security Lights

Install security lights near the items of value that are stored on your property. The lighting will make the outdoor premises safe for you and your employees to access when it is dark out. The lighting will also deter theft and vandalism from occurring on your property.

Fencing

Consider the benefits that fencing materials can provide. If you have a new HVAC condenser unit or another high-priced piece of equipment installed outdoors, adding new fencing materials will protect it from theft or damage.

The addition of fencing will increase the value of your property. Research various types of fencing to determine which materials will work best to protect the items you have chosen to store outdoors.

Coverage

Explore insurance products that will protect the items stored outdoors. Take the time to compare the insurance products that interest you.

Contact Amerisent Insurance

Once you have decided which items to add to your new insurance policy, contact one of our agents in Las Vegas, NV. An Amerisent Insurance agent will help you select the coverage you need for each item that will be stored outside on your business property.

Does My Company Need Commercial Auto Insurance?

Posted on December 21, 2023January 1, 2024 by admin

If your business requires costly equipment, tools, money, or people around, you’ll need commercial auto insurance. If you aren’t sure about the status of your company and whether you should carry commercial vehicle insurance, our team at Amerisent Insurance in Las Vegas, NV is here to offer guidance.

Who Needs Commercial Auto Insurance?

Some employees use personal vehicles to handle certain business tasks. While their personal policy likely has enough coverage, there are stipulations that call for a commercial auto policy, as well.

Your Company Has Commercial Vehicles Registered: If you have one company vehicle registered as commercial or vehicles have commercial license plates, your staff using personal vehicles will need commercial auto insurance.
Your Drivers Transport Goods for Cash: Ride-sharing agencies, taxis, delivery companies, and those that require moving valuables or people are required to have commercial auto insurance.
Heavy Tools or Expensive Equipment is Transported: Businesses that handle logistics for work supplies or machinery need to have commercial coverage that protects the load.
Travel for Work is Frequent: If traveling far distances in a company or personal car, a commercial policy is necessary to protect the vehicle and your business.

What’s Covered Under Commercial Auto Insurance?

Commercial vehicle insurance carries much of the same coverage as personal vehicles but extends to cars, trucks, vans, etc. used for work purposes. A few of these include but aren’t limited to:

General Liability Insurance: Handles claims such as damage to visitor’s property by a company-used vehicle when on the job.
Workers’ Compensation Insurance/Personal Injury Protection: This insurance will cover employees hurt while on the road.
Uninsured/Underinsured Motorist: If an employee has an incident with a driver who doesn’t have insurance or enough of it to cover the damage they cause, the insurance company offers compensation for the difference.

Learn More About Commercial Auto Insurance

No one understands the laws and consequences of failing to carry commercial vehicle insurance than our team. If you want to speak to one of our experts about your company’s commercial insurance needs, contact us online at Amerisent Insurance, call us, or stop by our office in Las Vegas, NV.