The commercial insurance policy you choose will depend on a number of different factors. Obviously, a small organization will need far less coverage than a medium or large business. But the deeper details of a commercial insurance policy aren’t always obvious. Here are a few points to keep in mind from San Marcos Insurance Group if you own a business in Chandler, AZ. 

Employees, Customers, and Vendors 

As a business owner, you’re not just responsible for the safety of your employees, but also that of your customers and third-party vendors. If you have a busy organization where people are coming and going throughout the day, your odds of an incident increase significantly. Whether it’s from a natural disaster that can’t be avoided or a water spill that wasn’t cleaned up fast enough, you need a policy that can handle a variety of claims. 

Virtual Crime

Businesses aren’t just targeted by thieves in the physical world anymore. Today, they need to be prepared to fend off virtual threats as well. Most commercial insurance policies will cover cybercrime, but owners are highly encouraged to find out just how much coverage they’ll receive in the event of a breach. Just one security hack can not only cause asset loss, but it can also damage a business’ reputation. Customers will be less likely to trust you if they know their information was stolen. 

Filling in the Gaps 

San Marcos Insurance Group is here to help the business owners of Chandler, AZ find a policy that will work for them. If you have any questions, call us today to find out more about how we structure our policies and process our claims. We can make it easier to finalize your policy choice in total confidence.