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Combining Commercial Insurance with Cybersecurity Insurance

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As the owner of a business, ensuring you have the right insurance policies can make all the difference when filing a claim. If you own a business that collects technology-related data and information, it may be time to consider combining your commercial insurance policy with cybersecurity insurance. If you’re located in Zionsville, IN, the Completely Independent Insurance Agency can help you determine if the combination is right for you.

How Commercial and Cybersecurity Policies Complement Each Other

Traditional commercial insurance, which is typically general liability, covers both physical and operational risks. However, it does not cover technological-related claims. Cybersecurity insurance focuses on technology-related threats, such as:

  • Data breaches that involve employee or customer information
  • Ransomware and cyber extortion incidents
  • Phishing and social engineering attacks
  • Network outages and in some cases, even system failures

Why Commercial Insurance Alone Falls Flat

Anytime you’re managing a business that includes technology, data, and customer information, traditional commercial insurance is often not adequate for the coverage you require. For example, property insurance may cover damaged servers, but not stolen data from customers or employees. General liability (commercial) insurance, may not cover regulatory fines or privacy violations. Additionally, business interruption coverage may not apply to cyber-caused shutdowns. Combining both cybersecurity insurance with traditional commercial insurance is the way to go to maximize your protection. Broader protection across both physical and digital operations is a way for you to maintain a sense of security.

Whether you collect and store data and information or if you’re working with a startup, cybersecurity insurance is often recommended (in addition to a traditional commercial insurance policy). If you’re in need of additional protection, the Completely Independent Insurance Agency is an agency you can trust. For those located in or near Zionsville, IN, contact us for your quote and consultation today. 

How Does Commercial Insurance Help If You Are Leasing a Space?

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Opening your own business and building a successful company can be a dream come true. One important step to support your business’s growth is securing commercial insurance. This type of insurance can protect against a variety of risks and losses, depending on the coverage you choose.

At Completely Independent Insurance Agency, we assist businesses in Zionsville, IN, in finding the commercial insurance they need to safeguard their operations, including coverage for leasing a space.

Leasing a Space and How Commercial Insurance Helps

If you lease a space for your business, the property owner will typically require you to have commercial insurance. This insurance should address the specific risks associated with your business and provide protection for visitors to your premises.

One essential component of commercial insurance is liability coverage. Liability insurance protects your business if someone visits your property and suffers an injury due to your negligence. This type of coverage is crucial for mitigating financial risks associated with lawsuits and medical expenses.

In addition to liability coverage, you may need additional protection for other risks, such as:

  • Equipment breakdown protection
  • Coverage for business assets and inventory
  • Protection against theft, fire, and vandalism
  • Improvements and betterments you made to the property

What Makes Coverage for Leasing Different?

In most cases, the building property owner will maintain insurance to cover its structure. When leasing space, even though your business doesn’t own the building, you still have assets to protect, including your equipment, inventory and belongings, as well as liability for any incidents that occur on the premises.

Finding the right coverage can be complex, but our team is here to help. At Completely Independent Insurance Agency, serving Zionsville, IN, we work with you to compare options and identify the level of protection best suited to your needs. Contact us for a no-obligation quote.

Rental Reimbursement Coverage Can Help Pay Costs After Your Vehicle Is Damaged

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Completely Independent Insurance Agency Offers Rental Reimbursement Coverage in Indiana

An accident or unexpected damage to your vehicle can be a disruptive event. Loss of the use of your car or truck can lead to additional expenses just so you can engage in your normal activities. Rental reimbursement coverage in your auto policy helps to defray these expenses. At the Completely Independent Insurance Agency, serving Zionsville, IN and surrounding areas, we help clients find the right auto insurance for their unique needs.

What Is Rental Reimbursement Coverage?

Rental reimbursement coverage is a type of optional auto insurance that can be helpful for individuals who rely on their vehicle for their everyday activities. The coverage pays for the cost of a rental car you might need when your vehicle is being repaired after an accident or other damaging event. Generally, the coverage applies to rental of a vehicle of similar value as your own.

Defraying the Costs of Accident Expenses

In some cases, the repair of your vehicle after an accident or damaging event can take some time. Renting a car for an extended period of time can become a burdensome expense. Rental reimbursement coverage helps to defray these costs, which can help you get back on your feet financially after an incident.

Call the Completely Independent Insurance Agency for Your Auto Insurance Needs

Damage to your vehicle can lead to inconvenience and additional expenses that impact your family budget. The right insurance can reduce your costs, so you can get back to normal more easily. Contact the Completely Independent Insurance Agency, serving Zionsville, IN, today for a no-obligation quote on an auto insurance policy that includes rental reimbursement coverage to reduce the financial burden of unexpected incidents.

Should You Cancel Your Landlord Insurance If Your Property Is Vacant?

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As a landlord, minimizing costs is of the utmost importance. Let’s imagine, for example, that one of your properties is currently uninhabited. Certain things, like landlord insurance, are no longer necessary, right? Canceling it could help you save some money while you’re waiting for the next tenant to express interest and move in. But is that the right move? Here’s why you should keep your landlord insurance, even during times of vacancy. We’ll also explain how you can work with us at Completely Independent Insurance Agency, serving Zionsville, IN, when you need a new policy or need to update your existing policy. 

Should You Cancel Your Landlord Insurance If You Have No Tenants?

Getting rid of your landlord insurance when there’s no one living in your residence isn’t advised. Why? Even if there’s no one living there, getting rid of your landlord insurance could open you up to out-of-pocket costs should someone break in or vandalize the property, or if there’s a development, such as a burst pipe or other property damage outside of your control.

If you’re looking to lower costs, you could always ask for a vacancy endorsement to lower your premium. If you anticipate that the property will be vacant for a while, it may be better to switch over to a vacant property insurance policy. In any case, let your policy provider know about the changes to tenancy. This will prevent you from dealing with any issues with claims and allow you to make any necessary adjustments to your insurance policy, should issues arise. 

Keep Your Rental Safe With Completely Independent Insurance Agency

When you work with us at Completely Independent Insurance Agency, serving Zionsville, IN, you receive the support you need to find and compare quotes seamlessly. We’ll help you get a landlord insurance policy that’s built around your needs and your budget. Start now and compare quotes with us!

Do You Have Difficulty Buying Auto Insurance?

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If you are an Indiana driver, Indiana’s state laws require you to buy auto insurance. You may have questions about your auto insurance options. If you are in the Zionsville IN area, our team at the Completely Independent Insurance Agency can help you get answers to your questions.  We’ve been working with drivers like you since 2023. 

Do You Have Difficulty Buying Auto Insurance?

If you try to buy car insurance, but you are denied coverage, it will be a potential problem,  due to the Indiana laws requiring you to have auto coverage. According to Value Penguin, drivers with a history of multiple accidents or traffic violations can be denied auto insurance. Denials may occur because those patterns indicate a strong possibility of filing a claim. Some cars – such as fast or expensive cars – are also likely to result in an insurance denial.

According to the Indiana FAIR plan,
Indiana  provides alternative insurance options for clients who have had an insurance decline from three or more insurance agencies. The state provides these alternative resources through the Indiana Automotive Insurance Plan. Any licensed auto insurance agent can provide information about the IAIP program to prospective clients. The same website informs drivers that those insurance policies have a higher premium cost, due to the increased potential for a claim. 

Call Us Today for an Appointment 

We pride ourselves on being an independent insurance agency, which means we can offer you a wide range of insurance options. Our team at the Completely Independent Insurance Agency offers personalized attention to each of our clients. Zionsville IN drivers have found they will receive consistently excellent customer service. Call us for an appointment today, and let us work with you to get your car insured. 

Does My Small Business Need Commercial and Commercial Vehicle Insurance?

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Small business owners face various risks and have legal and contractual obligations that necessitate commercial insurance for adequate protection. Regrettably, some small business owners unknowingly expose themselves to significant risk by depending on their personal auto insurance coverage for their business vehicle use. To avoid such an expensive error, allow the Completely Independent Insurance Agency team in Zionsville, IN, to create a commercial and commercial vehicle insurance plan tailored to your business.

Understanding Commercial and Commercial Vehicle Insurance

Small businesses are diverse in nature, and their commercial insurance needs vary based on their industry, legal structure, employee presence, and vehicle use. While many small business owners purchase liability, property, and workers’ compensation coverage, they may not acquire commercial vehicle insurance, assuming their personal auto policy provides the necessary protection. This decision can have significant repercussions for their business.

A business owner’s personal policy does not cover vehicles owned or leased by the business. Similarly, the personal policy will not cover a vehicle the owner or an employee uses for business purposes, including when transporting a client or employee to lunch or a business meeting. Transporting tools or delivering products to clients or work locations also constitutes business vehicle use that requires commercial vehicle coverage.

Personal vehicle insurance liability limits are generally lower than those for commercial vehicle policies. So, even if your insurance company unknowingly accepts some business claims, they may investigate higher-value claims and reject them when you most need them.

Partnering with Completely Independent Insurance Agency

Completely Independent Insurance Agency proudly serves the small business community in Zionsville, IN. Our commercial insurance expertise will help guide your business planning, so stop by today or call (800) 632-3102 to schedule an appointment.