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Regardless of your Huntley, IL business size, it would help if you had commercial insurance to thrive in the uncertain business environment. Like health or car insurance, commercial insurance is one coverage that you wish you never have to use. But because you can’t predict risks, business insurance is the safety net you run to when the unthinkable strikes your business venture.

Unfortunately, many small businesses operate without commercial insurance. In fact, many have confessed to have not bought commercial insurance after one year of being in operation. While this might seem like a saving, it’s a recipe for disaster. Just one catastrophe is enough to wipe your beloved business. In light of this, August Vincent Insurance Agency shares must-have coverages for a small business.

Liability coverage

If you live in America, you know that legal suits can strike anytime. And boy, you better have liability coverage when lawsuits come calling. Legal cases can be expensive, especially when ruled against your favor. As such, you need liability coverage to cover claims against property damage, property damage, and advertising injury facing your business.

Workers’ comp insurance

While workers’ comp insurance is mandatory in Illinois, this shouldn’t be the only motivation to purchase this coverage. Workers’ comp insurance protects your most valuable assets — the employees. This coverage pays for the medical costs, partial loss of wages, and funeral expenses following your employees’ work-related injuries and other illnesses.

Commercial property insurance

What would a business be without assets — your building, inventory, furniture, computer equipment, and other assets support almost all your business operations. In light of this, you need insurance that protects your assets against perils like fire, vandalism, theft, and natural calamities.

Commercial auto insurance

Again, this is a mandatory requirement in Illinois, but there are plenty of reasons to purchase this coverage beyond compliance. It protects your business against liability claims for accidents your driver is deemed liable. Besides, it covers damages to your car and injuries to your driver.

Buy commercial insurance today!

Now that you are aware of commercial insurance add-ons to consider, it’s time to purchase coverage from August Vincent Insurance Agency. Contact us or visit our Huntley, IL today.

Peace of mind is what home insurance is designed for. Many things can happen that can damage your home and knowing you are covered for many of them is important. Things change in your life and around your home, and you may need to review the coverage you have. At August Vincent Insurance Agency in Huntley, IL As independent agents, we can provide our clients with more choices which means better options and prices

When your home insurance renews, you will get a new copy of your coverage and on the front of it will be the declaration page. This page is the key to knowing what coverage you have. When it arrives in your home, you should look it over and see if everything makes sense to you. If your premium has dramatically increased you may want to compare the figures to the previous year and see what has caused the increase. Your deductible is listed and also any riders you may have.

If you have made any significant changes to your home, it is a good idea to discuss them with your agent. Certain upgrades may affect your policy. If you replace your roof, you may get a better rate. If you added a security system or any other safety equipment, it may also affect the rating of your policy which can affect your premium.

If you have things like a pool, a trampoline, or a dog, you may want to look at the amount of liability coverage you have. It might be a good time to raise your limit. All of these items are risky and raise the possibility of getting sued. you should review your home policy at least yearly.

If you have home insurance needs, August Vincent Insurance Agency in Huntley, IL is here to offer you friendly and knowledgeable service. You can come into the office or give us a call.