The other day a prospective customer dropped of his policy so that I could review it and possibly save him money on his premium. I was astonished that the policy only covered liability and systems breakdown. The policy had multiple exclusions in the body of the agreemment including no theft, no products and completed operation, no damage to goods of others, no employee dishonesty and other important coverages that would reduce the business owners exposure to a loss.
I submitted an application to my carriers and within a day I started receiving multiple quotes back. I was able to add coverages that would fully protect the insured and even saved him $325 annually in premium.
It is very important to review your policies. The owner of the store was vulnerable to loss on so many exposures and very fortunate he never experienced a loss. An annual review is the best way to make sure the policy covers the exposures you currently have and to see if any carriers have new policies with enhanced coverages.
As an independent agent, we work with many companies and can find you the best carrier for your commercial business.
Call or e mail MJF 866-983-8726
mjfinsagencyinc@yahoo.com or visit our website at www.mjfinsurance.com
We are licensed in NY,NJ,CT,PA and FL
