{"id":233,"date":"2016-07-22T02:00:00","date_gmt":"2016-07-22T14:00:00","guid":{"rendered":"http:\/\/www.crosscreekinsurance.com\/blog\/?p=233"},"modified":"2016-08-29T19:13:30","modified_gmt":"2016-08-30T01:13:30","slug":"do-i-need-commercial-insurance-for-my-service-based-business","status":"publish","type":"post","link":"https:\/\/www.crosscreekinsurance.com\/blog\/do-i-need-commercial-insurance-for-my-service-based-business\/","title":{"rendered":"Do I need commercial insurance for my service-based business?"},"content":{"rendered":"<p>When people think of commercial insurance, they often tend to think about a policy that covers a store or restaurant.&nbsp; The truth is that service-based businesses are the companies most in need of commercial insurance policies.&nbsp; If any of the following conditions apply to your business, then it&rsquo;s time to invest in a policy.<\/p>\n<ol>\n<li>You travel to you clients.&nbsp; Even if you&rsquo;re using a personal vehicle, your personal auto insurance coverage may not cover an accident if you are using the vehicle primarily for business.&nbsp; A commercial auto policy would cover all of the vehicles that you use for your business.<\/li>\n<li>You have business-related equipment.&nbsp; Computers, cameras, power, tools, and anything else you use for work should be insured against loss and damage.&nbsp; Criminal acts and natural disasters are next to impossible to avoid, but they can completely destroy your equipment and your only way of making a living. Make sure you talk to your agent about the type and value of the equipment you have, as well as where it is typically stored.<\/li>\n<li>You need coverage against lawsuits.&nbsp; Commercial umbrella policies are strongly recommended for service-based companies because of the high number of individual clients that they work with.&nbsp; Umbrella insurance will help you to pay for a lawyer and deal with the other costs involved in a lawsuit.&nbsp; These policies can also help your business to be protected from a variety of other legal issues.<\/li>\n<\/ol>\n<p>If you&rsquo;re thinking about investing in a commercial insurance policy, call the agents at Cross Creek Insurance.&nbsp; They can help you to find a policy that meets your needs without breaking your budget.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When people think of commercial insurance, they often tend to think about a policy that covers a store or restaurant.&nbsp; The truth is that service-based businesses are the companies most in need of commercial insurance policies.&nbsp; If any of the following conditions apply to your business, then it&rsquo;s time to invest in a policy. You [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-233","post","type-post","status-publish","format-standard","hentry","category-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/233","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=233"}],"version-history":[{"count":1,"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/233\/revisions"}],"predecessor-version":[{"id":234,"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/233\/revisions\/234"}],"wp:attachment":[{"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=233"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=233"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.crosscreekinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=233"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}