Business Insurance

At Katz & Unterreiner we offer industry leading Business Insurance policies at competitive prices to the entire Peekskill and Wappingers Falls areas. We are committed to helping you find the right policy for you, at the right price.

Business Insurance | Peekskill | Wappingers FallsWhat Is Business Insurance and Who Needs It?

As a business owner, you have a great deal to consider when protecting your assets. If you purchase a business insurance policy, not only do you have to worry about things like liability, but also the chance of a natural disaster hitting your area. A major problem is that natural disaster insurance is more expensive in areas where a natural disaster is more likely, so you will have to make a decision on whether or not the insurance is worth the cost.

Things to Consider

Generally, it is only worth signing up for natural disaster business insurance that covers likely disasters. For example, those living in California should look for a policy that covers earthquakes and wildfires, but do not have to bother with policies that cover tornadoes. Likewise, you would not need hurricane insurance if you live in the Midwest, but would need tornado and flood insurance. Look the probability of a disaster occurring in your region before signing up for any insurance policy.

You should also look at what the insurance covers. You will want a policy that not only covers your building, but also the contents of your business. Take the necessary steps to digitize most of your business documents, as this makes it easier to keep track of your inventory and get your business up and running again in a hurry.

The Cost

The next thing to consider is the premium that you will have to pay, the deductible that you will be charged and how much coverage you will receive. If a natural disaster is likely in your area, your insurance company will likely charge a higher than average premium for this coverage. Your deductible will also be higher than normal and there might be some limitations on your coverage. Before signing up for a policy, make sure that you will get enough out of your policy should disaster strike.

Business Size

The size of your business is also something to consider, as this dictates how much you will get out of your insurance. The main issue is that a small business owner would not have the money to rebuild in the case of a major disaster, but would also have problems making the monthly premiums in a high-risk location. Likewise, a large business can afford to rebuild and can also afford the premiums. While business insurance is useful for a business of any size, it all depends on the amount of the monthly premiums and the services that the insurance company will provide.

Risk Management

The business insurance policy that you purchase is a form of risk management, since you want to protect your business against anything that can occur. If the premiums are affordable, this type of insurance is highly recommended, especially if you live in an area with some risk of natural disaster. Likewise, if the premiums are too expensive, smaller businesses might have to pass on the insurance and hope for the best. The best plan is to speak with an insurance representative to look at the insurance options in your region.

For a personal discussion of your Business Insurance requirements contact Eric Unterreiner in either Peekskill or Wappingers Falls, NY.

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Katz & Unterreiner, Inc | 1045 Park St | Park Mall - Peekskill, NY 10566