Anyone who runs a business knows that situations beyond their control, such as theft, vandalism, and fires, can happen. That’s why commercial insurance, a type of policy designed to protect your business, was invented. If you’ve invested money or time in a commercial property or business, this kind of coverage is an absolute must. 

Thankfully, Bryan Insurance Agency, LLC offers commercial insurance for businesses like yours in New Windsor, NY, and the surrounding area. No matter the size or industry of your business, we have commercial coverage you can tailor specifically for your business needs. 

“But what sort of events are most likely to happen?” you might ask. That’s a valid question and one we can confidently answer. Although almost anything can happen when running a business, certain commercial insurance claims are more common than others. 

Here are the three most common commercial insurance claims:

Burglary and theft (20%)

When you think of burglary and theft, you might first think of a complete stranger breaking into your business and stealing property. 

However, you probably don’t think of an employee stealing from your business. Unfortunately, burglaries and thefts committed by insiders, such as dishonest employees, are never outside the realm of possibility, and you should always be prepared for such events. 

Of course, burglaries and thefts by outsiders can happen too. You might want to use background checks, adequate lighting, fences and gates, and devices that control access to the business premises to prevent such occurrences. 

Water damage (15%)

Water-related damage to business can come from various sources, including burst pipes, floods, snow, and freezing temperatures. 

To avoid such claims, it’s vital to ensure your building’s roof is clear of ice and snow. Also, during winter, you should keep your building’s temperature at or above 55 degrees Fahrenheit.  

Wind and hail damage (15%)

Strong winds and hail storms aren’t uncommon in New York. Besides damaging commercial property, they can also negatively affect the property owner. 

To reduce the likelihood of such situations, you want to make sure the trees by your business property are well maintained. In addition, any outdoor equipment that strong winds could blow into your building should be adequately secured. Lastly, if a heavy storm is predicted, it’s vital to protect your windows. 

Bryan Insurance can help! 

If you’re in New Windsor, NY, or the surrounding area and want to protect your business, Bryan Insurance Agency, LLC can help you. We’re here to assist you in finding the best commercial insurance policy for your business. Visit our office to get in touch with one of our insurance agents and learn more about how we can provide your business the protection it deserves.