At White Oak Insurance LLC, our team can help Milford, CT pizzerias and restaurants find high-quality policies that meet their needs. If you’re still on the fence about your options here, it’s important to read through the following steps to streamline this process and make it more effective.

Follow These Steps 

Pizzerias like yours typically need various commercial policies that keep them safe from various risks. These are often comparable to restaurant policies but may also vary depending on multiple factors. If you’re in the market for insurance and aren’t sure where to turn, here are the steps you need to take to keep your business safe:

1. Calculate your business income or actual loss potential 
2. Decide what kind of delivery insurance you need 
3. Integrate liability protection to avoid costly lawsuits and expenses
4. Identify things like auto policies to keep your delivery vehicles safe 
5. Don’t forget workers’ compensation for your pizzeria employees 
6. Consider umbrella policies if your potential loss is high 
7. Integrate cyber liability protection if you have an online ordering system
8. Keep your ability to pay for a policy in line with your earnings 
9. Provide health insurance for your long-term employees as well

These steps can provide you with the high-quality protection your pizzeria needs to stay open. Delivery insurance is particularly important because it can protect you from loss if any of your drivers get into an accident or if they hurt anybody during their delivery process.

Give Us a Chance to Help 

Our White Oak Insurance LLC team is more than happy to help Milford, CT businesses find the policies that suit their needs. Whether you run a pizzeria or another kind of restaurant, our crew of experts is here to make this process smoother and more efficient.

If you’ve recently launched a business from home, it’s time to consider your insurance options. You can’t count on standard home insurance to protect your business assets. Although you can increase your property and liability protection by getting home endorsements, you’ll still have lapses in your coverage. At White Oak Insurance LLC, serving the greater Milford, CT community, we recommend purchasing business insurance to safeguard your home business and keep it running smoothly.

Commercial Insurance Options for Home Businesses

Starting a home business can be challenging enough without having to worry about insurance. By getting the right coverage from the start, you can focus on running and growing your business to help it succeed. Depending on the nature of your business, you may want one or more of the following commercial insurance options:

• General Liability – for protection against customer injuries while visiting your business or injuries customers may sustain from faulty products. If an injury leads to a lawsuit, liability insurance helps cover legal costs. 
• Commercial Property – protects your business equipment and products against theft or damage from disasters like fire, hurricanes, etc. This includes computers, copy/fax machines, office furniture, inventory and other equipment used for business purposes.  
• Business Interruption – covers business expenses like payroll and loss of income if your business has to close down due to disaster damage. Business interruption will even pay to relocate your business temporarily while repairs are made to your home/business site.

General liability, commercial property, and business interruption coverage can be bundled together in a business owner’s policy (BOP). Other commercial coverage options include worker’s comp to protect employees against injuries on the job and commercial auto insurance to cover vehicles used for business purposes.  

Where to Purchase Commercial Coverage

To purchase a BOP or other commercial coverage for your home business, contact White Oak Insurance LLC in Milford, CT today.

The insurance coverage needs of your company can change over time. That’s why it’s important for business owners to periodically update their policies. At White Oak Insurance LLC, we can help you with updating your insurance coverage on your company in Milford, CT. 

The following are three signs that you need to update your commercial insurance policy:

You’re getting involved with new operations.

If you’ve changed your operations by manufacturing a new type of product or offering new services, your company might face new risks. This means that you need to update your coverage to protect yourself against these new risks to ensure the financial health and security of your company. 

Your company has grown.

Larger companies need more commercial insurance coverage. When your company is larger, it typically means that you have more employees and that you’re dealing with more customers. A larger company also most likely has more facilities and equipment.

Reevaluate your commercial insurance policy if your company has grown significantly since you first purchased your policy. 

You’ve invested in new equipment or properties. 

It’s important that your commercial insurance covers your company’s assets. Assets including your equipment and your commercial facilities are valuable and require large investments of capital.

Make sure that your commercial insurance policy insures you up to the full value of your company’s equipment and real estate. You definitely need to update your policy if you’ve made large investments in these types of assets without changing your coverage amounts. 

Is it time to update your commercial insurance policy?

We’re here to help. Call us at White Oak Insurance LLC for commercial insurance coverage for your business in Milford, CT.