Who Needs Commercial Insurance and Why?

When it comes to owning a business things like insurance tend to be the last thing you consider. This, however, does not have to be the case if you talk with the talented agents at Pizano Insurance in Wayzata, MN. Agents can help place you with a policy that is going to work for you and that is going to keep your business covered from start to finish.

Put quite simply those that need commercial insurance are people that own businesses. Commercial insurance of all types was created to help protect the business interest of those that hold it. This means that in the event of an accident, your business cannot be taken from you because you have insurance policies in place to help cover these accidents and eventualities.

People that need commercial insurance are those individuals that have some sort of business in their possession that would need to be protected in the event of an accident. A good example of this is property insurance .This will help to protect and replace property in the event that it is damaged or destroyed.

Other types of commercial insurance help to cover things like theft, damage by fire and water, natural disasters, someone getting hurt on your property, someone getting injured by a car that belongs to your company and so on. If you believe that you need commercial insurance it is always helpful to speak with an agent that has experience with this type of policy. They can tell you just what coverage you need, what coverage is going to benefit you, and what level of coverage you need to legally stay in operation as well. Commercial insurance is a must and finding a great policy is the icing on the cake.  

Preventing Fender-Bender Fraud

Believe it or not, there’s a lot you can do to prevent fender bender fraud. People get into these kinds of accidents all the time. It can be nerve wracking when it happens to you, though it’s important to be aware of all that’s going on. You can prevent any kind of fraudulent activity by being active throughout the few minutes that take place following the accident.

The other party who is involved in the accident may be trying to commit fraud. This means you have to be cautious about what takes place. You want to get a police officer on the scene as quickly as possible. If the person is trying to commit fraud, they probably don’t want this to happen. This is because there would be an impartial party providing record – and this would make it harder for them to commit fraud.

Essentially, this is exactly why you want the police officer on the scene. They will write up a report as to what they have seen.

You also want photos. Even though the case may seem cut and dry, if it ends up in a courtroom, you may want photos to show what kind of damage was seen on both cars. This will help the judge to determine just how hard the car was hit and what kinds of injuries could result from such a fender bender.

There are certain details you need to share. This includes your insurance information. The moment the other person drives away, you want to contact your insurance company and get your story in before they have an opportunity to reach out to your insurance company.

Contact us at Pizano Insurance today to learn more about auto insurance and what your options are. We can help you to find affordable premiums that will provide protection throughout Wayzata, MN and beyond.