Click to Call

Three Things to Consider When Shopping for Commercial Insurance

Being a business owner is rewarding. However, it is a challenging role too. In order to make sure that the business operates well and everything goes as smoothly as possible, there are many things to consider. One of them is to protect your business from unforeseen circumstances that can happen anytime. One of the best ways to do it is to purchase commercial insurance. Shopping for business insurance might be tricky and time-consuming. In order to help you, we at Oak Ridge Insurance Services in Oak Ridge, NC, suggest you consider three things before getting a particular policy: 

Identify The Potential Risks In Your Industry

In order to get adequate coverage for your company, you need to have a clear understanding of what kinds of risks your business might face. Every business is different from its specifics and risks. For example, if you own a transportation company, you need to have commercial auto insurance for the vehicles. If your business is related to sensitive information, your business insurance coverage should focus on protecting you from claims associated with a Data Breach. 

The Terms and Conditions of The Policy

Many people make the same common mistakes – ignore the terms and conditions before signing the contract with an insurance company. It is crucial to know and understand what is included in your policy and what is not. If something is unclear to you, you can always contact an insurance agent and ask them to clarify everything and answer your questions. 

The Size of Your Business

A commercial insurance policy should match the size of your business. If your company is quite small with no more than 50-100 employees, then a standard commercial insurance policy will be more than enough for you. However, if it is much bigger, you might need additional coverage, which will provide expanded protection to your business. 

If you are a business owner from Oak Ridge, NC, and you are searching for commercial insurance for your company, Oak Ridge Insurance Services is ready to assist you in finding the best option for your business. Do not hesitate to contact us to find out how you can protect your business and yourself. 

How to keep your home safe during summer

Our homes are the single most essential assets in our lives, and protecting them is our topmost priority. The summer season is here, and it can particularly get hot in Oak Ridge, NC, which means most of us have to leave home and engage in various outdoor activities. So, how do you ensure that your home is safe when you are out there? At Oak Ridge Insurance Services, we can help you keep your home safe by providing you with a home insurance policy that is customized based on your needs and budget.

Apart from buying insurance, here are a few ways you can keep your home safe.

Make sure your doors and windows are burglar-proof

According to research, 30 percent of burglars gain entry into homes through an unlocked door or window. Before you leave, check all your doors and windows for faults and make any necessary repairs if needed. It is also essential to invest in heavy-duty padlocks or locks to prevent easy access by thieves.

Invest in a home security system

You need peace while on vacation, and only a home security system can provide that. Most smart home security systems can be connected to your device, whether it’s a phone or laptop. This way, you can check your home from wherever you are.

Install smart lights to trick burglars

If you are going to be away for some time, you will need to be a step ahead of burglars. Turning all your home’s lights off can be a terrible idea because you will be informing everyone that you are away. The best way to handle this would be to purchase smart lights and bulbs, which you can turn on and off from wherever you are.

Lastly, let your neighbor know that you will be away and avoid posting about your intentions on social media. Most importantly, make sure your home insurance policy is up to date, and all the necessary coverages are intact. For more information about home protection, please speak to any Oak Ridge Insurance Services expert or visit us in our Oak Ridge, NC offices.

Brent Schroyer

Brent Schroyer

Insurance Advisor
Chastity Spofford

Chastity Spofford

Insurance Specialist

Why Partner With Us?

  • Locally owned and operated
  • Compare multiple carriers
  • Combine policies for great rates
  • Print your auto ID cards and access your insurance documents from our Client Service.

Archives

Categories

From our Community

Partner Carriers

  • American Modern
  • ASI
  • Bankers
  • Burns & Wilcox
  • Foremost
  • Hagerty
  • Heritage
  • Jackson Sumner
  • Johnson & Johnson
  • Liberty Mutual
  • National General
  • NCJUA
  • Progressive
  • Safeco
  • Tapco
  • The Hartford
  • Travelers
  • Universal
  • Utica