When you call or email Commonwealth Insurance Center, they can help to connect you to a policy that will keep you safe with a provider that knows your industry. But, there’s a lot to be said for intimate, on-the-ground experience. There are things that you know about your business and about your industry in Williamsburg, VA that your insurer might not know. That is to say that while they have a general idea about what kind of commercial insurance you need, you know better than anyone.
Every business is different, every business takes on a different set of risks, and an insurance provider that treats all businesses the same is a provider that you might not want to work with. Your job, before you go to an insurance provider, is to know what you need.
Ask your peers what their most common out-of-pocket expenses have been, consider if you have any unconventional features at your business. If you run a pizzeria but you own a printing setup and you make your own flyers, then you’re probably going to need to get that equipment protected under your commercial policy. If you run a sporting goods shop but you also do deliveries for some of the local teams that support you, then you may need to look into what sort of policies are offered for that kind of thing.
The initial policy an insurer will provide you without knowing that much about your business serves as a good foundation, but you need to make a list of everything you need covered so that when you call Commonwealth Insurance Center, they’ll know exactly what your risks are.