{"id":151,"date":"2023-08-25T04:00:00","date_gmt":"2023-08-25T10:00:00","guid":{"rendered":"https:\/\/www.suretyins.com\/blog\/?p=151"},"modified":"2023-09-11T00:51:02","modified_gmt":"2023-09-11T06:51:02","slug":"the-wide-variety-of-commercial-insurance","status":"publish","type":"post","link":"https:\/\/www.suretyins.com\/blog\/the-wide-variety-of-commercial-insurance\/","title":{"rendered":"The Wide Variety of Commercial Insurance"},"content":{"rendered":"<p>New business owners might read the term commercial insurance and think it refers to one policy, but the term refers to a category of insurance containing more than 25 types of policies. Each business builds a custom commercial policy that suits its specific needs.<\/p>\n<h2>Your Commercial Policy Package Foundation<\/h2>\n<p>Surety Ins Inc. offers Alabama business owners policies (BOPs) that provide the most common four policies for businesses at a lower premium payment than they would cost separately. It contains the following policies:<\/p>\n<ul>\n<li>General liability<\/li>\n<li>Perils<\/li>\n<li>Business property<\/li>\n<li>Business interruption.<\/li>\n<\/ul>\n<p>This BOP offers a foundation for adding other policies specific to that business&rsquo;s needs.<\/p>\n<h3>What Can You Add to a BOP?<\/h3>\n<p>You can customize your commercial coverage with numerous types of policies that protect specialized aspects of your business. These options include coverage for:<\/p>\n<ul>\n<li>Glass<\/li>\n<li>Malpractice<\/li>\n<li>Errors and omissions (E &amp; O)<\/li>\n<li>Commercial auto<\/li>\n<li>Inland marine<\/li>\n<li>Workers compensation Commercial umbrella<\/li>\n<li>Directors and officers (D &amp; O)<\/li>\n<li>Cyber Liability<\/li>\n<li>Boiler\/furnace.<\/li>\n<\/ul>\n<p>Many other types of commercial policies abound, but most businesses purchase a mixture of the above-named coverage types.<\/p>\n<h3>Which Types Does My Business Need?<\/h3>\n<p>Every business differs, so we suggest an intake consultation in which we interview you about your business to determine your needs. For example, a dance studio needs glass insurance to cover its many floor-to-ceiling mirrors. A storefront with plate glass windows would also need this coverage.<\/p>\n<p>Any medical or legal professional needs malpractice insurance. Cyber liability would also offer a smart coverage type for either, but especially medical professionals who must adhere to HIPAA regulations.<\/p>\n<p>A restaurant or bakery that makes its own deliveries requires commercial auto coverage. Any type of business that owns a building with a boiler or furnace needs boiler\/furnace coverage.<\/p>\n<h3>Contact Us for More Information<\/h3>\n<p>Set an appointment for your coverage review with Surety Ins Inc. today. Don&rsquo;t let your Alabama business go uncovered.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>New business owners might read the term commercial insurance and think it refers to one policy, but the term refers to a category of insurance containing more than 25 types of policies. Each business builds a custom commercial policy that suits its specific needs. Your Commercial Policy Package Foundation Surety Ins Inc. offers Alabama business [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[13,14],"class_list":["post-151","post","type-post","status-publish","format-standard","hentry","category-commercial-insurance","tag-alabama","tag-surety-ins-inc"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts\/151","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/comments?post=151"}],"version-history":[{"count":1,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts\/151\/revisions"}],"predecessor-version":[{"id":152,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/posts\/151\/revisions\/152"}],"wp:attachment":[{"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/media?parent=151"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/categories?post=151"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.suretyins.com\/blog\/wp-json\/wp\/v2\/tags?post=151"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}