Knippenberg Insurance Inc

608 N Mechanic St
Cumberland, MD 21502

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Does a Home-Based Business Need Commercial Insurance?

Cumberland, MD, is a favorable location for starting a home-based business. Tax credits, a Lenders Loan Pool, and Micro-enterprise Programs are available to help entrepreneurs save money while launching their venture. However, one inevitable expense is commercial insurance. Even home-based businesses will need several insurance policies to operate legally in the state.

Commercial Insurance Requirements in Maryland

If you have even one full or part-time employee, you’re required to have worker’s compensation insurance. If you use a vehicle for commercial purposes, which includes traveling to meet clients and business partners, transporting goods to and from markets, or allowing an employee to use your vehicle, you need a commercial vehicle policy. You’ll need liability insurance if you sell items on platforms such as Amazon and eBay.

Even though some policies aren’t legally required, they are worth considering. Cyber insurance safeguards your business if a hacker breaks into your system and steals data. Errors and omissions insurance protects your business assets if a client sues you. Liability insurance shields you from common risks such as customer injuries, destruction of customer property, and advertising injuries.

Commercial Insurance from Knippenberg Insurance Inc.

Knippenberg Insurance Inc., based in Cumberland, MD, offers premium insurance policy options to local business owners. We have a variety of policy options to meet the needs of entrepreneurs in any industry. Our knowledgeable staff members are eager to help you understand state insurance laws to ensure you choose the best policies for your business. Contact us to learn more about our offerings or to get one or more policy quotes.

Three Types of Commercial Insurance You May Need

When you are a business owner, there are a lot of responsibilities that you’ll have. One of these is to get the types of commercial insurance that you need for your specific business. The types of coverage you need depend a lot on the kind of business you own, how many people are involved, what you sell, etc. When you need commercial insurance to protect yourself and your business, call us at Knippenberg Insurance Inc. in Cumberland, MD.

Workers’ Compensation Insurance

When you have employees, you need this insurance coverage. It’s important to protect your business against the high cost of medical bills if any worker should get injured in a work-related accident. It pays for those bills so that your employee doesn’t have to sue you and can instead handle it through the insurance company. If you don’t have this insurance, it’s time to get it. You can call us to get started. 

Commercial Auto Insurance

Does your business own a vehicle? If so, you need to have a commercial policy on it. If you don’t have a commercial policy for it, the policy likely won’t pay for any accident that’s work-related, if any at all. It’s like being completely uninsured. A commercial policy is a must from the first day that your business owns the vehicle. 

Product Liability

If you sell a physical product, you need product liability coverage. This covers you in case the product injures or sickens someone or there are certainly other problems with it. If you don’t have this insurance, you could be vulnerable to a number of lawsuits that could come from customers one day. 

Get Commercial Insurance

Make sure your business has the protection it needs by getting the right insurance policies. Call us at Knippenberg Insurance Inc. in Cumberland, MD to find out more. 

Does Commercial Insurance Cover Stolen Equipment?

When it comes to protecting your business, our team of insurance professionals at Knippenberg Insurance Inc. in Cumberland, MD knows how scary and devastating theft can be to your company’s success. Your business is most likely your livelihood and legacy. If you have employees who rely on your business to support their families and households, the time and resources lost when equipment is stolen can have disastrous consequences.

When you don’t know where to turn after this difficult experience, our insurance agency may be able to help.

Does Commercial Insurance Cover Stolen Equipment?

On top of the impact of stolen equipment on you and your employees, lacking your typical equipment frequently means that your customers and clients will also suffer the consequences of not receiving their goods or services on time. This can hurt your reputation as a business that provides reliable and trustworthy products or services. It can also lose business as customers get impatient and take their money elsewhere. 

What’s more, your company can struggle to pay for the replacement of the equipment that fell into the hands of thieves. As a result, it can jeopardize your business depending on your company’s financial situation. In this scenario, you will probably be inclined to explore different ways to pay for the lost items’ replacement. If you have commercial insurance, that may be your first line of defense if your policy covers stolen or damaged equipment that’s part of your business. As long as your commercial insurance policy provides coverage for equipment and tools related to your business, you may be able to recover some or all of the costs associated with replacing them. 

Schedule A Consultation Today!

To explore commercial insurance options and cover your business, call our office at Knippenberg Insurance Inc. in Cumberland, MD today!

Protect Your Maryland Business From Unexpected Events With Commercial Insurance

No business is safe from unexpected events. That’s why commercial insurance is so important. It can help you protect your business from a wide range of risks, including property damage, liability claims, and interruptions to your business operations. At Knippenberg Insurance Inc, we understand the unique dangers businesses in Cumberland, MD face. That’s why we offer a comprehensive selection of commercial insurance products to meet your needs.

Types of Commercial Insurance

Many commercial insurance policies are available. The right coverage for your business depends on several factors, including the size and type of business, the products or services you offer, and the risks you face. Some of the most common types of commercial insurance include:

Property Insurance: This type covers physical property damage caused by fires, storms, and vandalism. It may also cover loss of income if it forces your business to close because of property damage.

Liability Insurance: This protects your business from financial losses related to liability claims arising from personal injury, property damage, and professional errors.

Business Interruption Insurance: This type of insurance can help cover lost income and expenses if the loss forces your business to close or reduce operations because of an unexpected event like a natural disaster or a power outage.

Commercial Auto Insurance: This type of insurance protects businesses that use vehicles for business purposes. It can cover vehicle repairs, medical expenses, and legal costs resulting from an accident.

Product Liability Insurance: This type protects businesses from financial losses related to claims arising from defective products or injuries caused by using the product. 

We Are Here To Help!

Don’t wait until it’s too late—protect your Cumberland, MD business with commercial insurance today. For more information about our products and services, contact Knippenberg Insurance Inc. today.

Commercial Insurance Requirements and Options in Maryland

If you own a business in the beautiful state of Maryland, you will want to have a commercial insurance policy in place to protect your business as well as your inventory. Our agents at Knippenberg Insurance Inc. in Cumberland, MD know and understand that your business is your livelihood and they will help you to protect your business through an adequate amount of commercial insurance.

Is Commercial Insurance Required for Your Maryland Business?

In the state of Maryland, all drivers must have at least an auto liability insurance policy in place to be able to abide by state laws. This law includes all vehicles owned by a company as well as personal vehicles that are driven for business use. This type of policy will assist you or one of your employees to help pay the medical bills and property damage of someone you or they become involved in an accident with.

What Does Commercial Insurance Cover?

Commercial insurance covers a variety of different aspects of your business. For instance, if there is a security breach of your business’s computer system, a commercial liability policy will come in handy. It can help pay for any litigation and other things related to a cyber security breach.

Commercial liability insurance can assist you if an employee or a customer is injured on your business property. This type of policy will assist with their medical bills and lost wages if necessary. This can also protect you and your business if you happen to be sued for breach of contract, libel, or slander.

Property insurance is extremely important because it will help you recoup lost inventory if it is stolen or if it is damaged due to some sort of natural disaster, an act of vandalism, or even a fire. If you own the building that your business is housed in, this type of policy can also cover the structure of the building in case it is damaged or destroyed by one of these factors.

Give Us A Call

To create a commercial insurance policy that is best for you and your business, contact our trustworthy, experienced, and knowledgeable commercial insurance agents at Knippenberg Insurance Inc. in Cumberland, MD today!

Ways you can cover your business with commercial insurance

The Cumberland, MD area can be a good place for someone to start and grow a business. If you do own a business in this region, you will enjoy the strong local economy and high population. While there can be a lot of opportunities for businesses to be successful, there are business risks as well. One way to mitigate some risks is by getting a commercial insurance plan.

This coverage can protect your business in various ways:

Cover Assets Owned by Business

One of the ways that your commercial insurance plan can protect your business is by covering your assets. Any business today is going to start to grow will need to invest in various assets including equipment, computers, and inventory. To ensure your company is protected, you will want to know these assets are protected. A great way to do this is by investing in commercial insurance as it will have a commercial property coverage component. 

Mitigate Liability Risks

Business owners should also be aware that they face liability risk on a regular basis. A great way that you reduce this concern is by getting liability insurance through a commercial insurance plan. This can help cover any damages that you may be held responsible for if you are liable in an accident.

Contact Us Today

There are a lot of ways that you can protect a Cumberland, MD area business with commercial insurance. As there is a lot of value in this coverage, selecting the right plan is a big decision. Once you are ready to start looking for a plan here, it would be wise to call Knippenberg Insurance Inc. The professionals with Knippenberg Insurance Inc. understand the value of this coverage and can help you build a plan that will properly protect your business. 

Common Myths About Commercial Insurance

Many business owners ask "Do I really need commercial insurance?". The answer is "Yes, you do". If you are a responsible business owner, and you want to protect your company, yourself, and your employees, having proper commercial insurance is a must. Unfortunately, choosing the right commercial insurance policy can be complicated because of many misconceptions about this type of insurance. In this article, we will list some common myths related to commercial insurance and debunk them. 

Common Myths About Commercial Insurance

  • Your home-based business is covered by your home insurance. Many business owners believe that it is enough to have homeowners’ insurance to protect their business that they run from home. However, a home insurance policy applies to your home only. It may provide some kind of coverage, but it is very limited and is not enough to protect your business. Therefore, if you operate a business from home, you should purchase separate commercial insurance. 
  • Carrying workers’ compensation is not necessary if you have no employees. Even though the primary purpose of workers’ compensation is to protect employees, even if you do not have any, it is still worth carrying it as additional protection for your business and you as a business owner. 
  • Commercial insurance protects you against all types of damage, including damage caused by flooding. Unfortunately, the truth is that in order to protect your commercial building against floods, you will have to purchase additional flood insurance. 

Knippenberg Insurance Inc. serving clients in Cumberland, MD – We Help You Get Insurance You Need

If you run your business in Cumberland, MD and you are looking for a commercial insurance policy to protect your business, Knippenberg Insurance Inc. will be able to help you find a policy you need. Feel free to give us a call to get more information about the coverages we offer and find a policy based on your needs and budget.

3 Risks of Not Carrying Commercial Insurance

While running a business in Cumberland, MD is expensive, one expense you wouldn’t want to forego is commercial insurance. Most business owners purchase this insurance hoping that they won’t use it because nothing goes wrong. Unfortunately, businesses operate in an uncertain environment full of threats. Without commercial insurance from Knippenberg Insurance Inc., you are likely to face the below consequences.

Breaking the law

In Maryland, business owners are required to purchase the below minimum commercial insurance coverages:

  • Workers’ comp insurance: If you have employees in your business, you are required to purchase this insurance to cover employees against illnesses and work-related injuries. Additionally, this coverage pays for partial loss of income and final expenses for employees.
  • Commercial auto insurance: This coverage is required for commercial vehicles to protect your car from damages and employees from accident-related injuries. 

If you fail to buy the state-required minimums, your business could face severe criminal and civil fines and penalties.

Losing money

Unfortunately, most businesses avoid paying commercial insurance in the name of saving money. Regardless of how austere you are, one expense you shouldn’t be conservative with is commercial insurance — because it saves you money. 

If disasters like fire or theft strike in your business, you stand to lose assets, disrupting your business operations. Without insurance, you will have to rebuild your business from scratch using saved company finances. Ultimately, the insurance cost is minuscule compared to the losses it can save you when the unthinkable happens. 

Endangering your employees

Your employees are one of the most valuable assets in your business. As such, you need to protect them with workers’ comp insurance when mishaps happen in the workplace. Without insurance for your employees, your business operations will be disrupted due to illnesses and workplace injuries. Additionally, you will have to incur out-of-pocket expenses to cover employees’ medical costs and legal costs. 

Purchase commercial insurance today!

Are you looking for commercial insurance in Cumberland, MD? Please contact Knippenberg Insurance Inc. for a personalized quote. 

Does Your Small Business Need Commercial Insurance?

If you are wondering if your small business needs commercial insurance, the answer is probably yes. 44% of small business owners don’t have any business insurance. Choosing commercial insurance can be confusing, but Knippenberg Insurance Inc. can help you determine what’s best for your business in Cumberland, MD. 

Why Do Small Businesses Need Commercial Insurance?

Insurance is designed to protect your assets from the unexpected. Commercial insurance can protect your business from liability claims and property damage. Each year, between 36%-53% face some litigation. A judgment against you can put your business and your personal assets at risk. 

It’s also important to protect your assets from damage and theft. Business assets can be expensive, and you may not have the money to replace them in the event of a loss. This includes the building where you conduct business, inventory, and equipment related to your business. 

Common Types of Insurance for Small Businesses

General liability insurance is a policy every business owner should have. This protects you from litigation or liability if your business causes property or bodily damage to a third party. This includes your products, services, employees, and yourself. It only covers accidental damage to protect you from any intentional harm caused by your business. 

Property insurance offers liability protection and protection for your assets. This includes your property and assets on your property. If your business is home-based, your homeowner’s policy may not provide complete protection for your business assets. 

Commercial Insurance at Knippenberg Insurance Inc

At Knippenberg Insurance Inc in Cumberland, MD, we offer many commercial insurance policies. Our agents will speak with you about your business needs and select the right policies for your business. 

How to Choose The Best Commercial Insurance For Your Business

Whether you are establishing a new business or you are a business owner with some experience, you need to have commercial insurance to protect your business and the assets. However, choosing the right coverage might not be easy because not all insurance plans can meet your business and personal needs. In order to help you to make the right decision, Knippenberg Insurance Inc. serving Cumberland, MD has prepared the list of tips on choosing perfect commercial insurance: 

Evaluate Your Needs and Risks

The first thing you should do when shopping for commercial insurance is evaluating your risks and needs. For most businesses, basic liability insurance is enough. However, there are certain industries where additional coverage is needed. For example, if you are an owner of a tech or computer company, you might need more cyber liability coverage. Therefore, determine what exactly you need and how high the risks are, and pick an insurance plan accordingly. 

Compare Different Policies

One of the most common mistakes among business owners shopping for commercial insurance is that they pick the first plan they like. It is highly recommended to compare several plans, analyze their advantages and disadvantages, and not to rush with the final decision.

Talk To An Agent

Choosing commercial insurance might be quite confusing, especially if you have never done it before. Therefore, it is worth talking to a professional and discussing all the available options. You can always consult with an independent insurance agent who will help to tailor an insurance plan to your specific needs and budget. Additionally, an insurance agent will answer all your questions and clarify the things you may not understand. 

If you are a business owner from Cumberland, MD, and you are shopping for business insurance for your company, Knippenberg Insurance Inc. is ready to help. Call us today to talk to one of our experienced insurance agents and ask the most troubling questions. 

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