Common Questions to Ask When Shopping for Commercial Insurance in Mississippi

Operating a small business requires dedication. There are many aspects to cover between hiring, payroll, job bidding, and completing projects. Additionally, you need to know that your property, automobiles, and employees are protected in the event of an accident or weather. That is where insurance coverage comes into play.

Insurance covers your business against the risk of incidents that threaten to disrupt your operations or shut your doors for good. You want to know you have excellent coverage. So, when shopping for commercial insurance in Mississippi, ask the right questions before committing to an insurer.

6 Questions to Guide Your Commercial Insurance Purchase

Ask these six questions when you’re evaluating all the options for commercial insurance in Mississippi:

  1. What types of commercial insurance do you offer? Each situation is unique, and a knowledgeable insurance broker will seek to provide a wide range of policy types to help cover most of your needs. They should be able to break down the different types of coverage you are eligible for so that you can make a better decision for your company.
  2. What specific risks will the policy cover? Operating a business comes with inherent risks. Some encompass all types, and others are industry specific. Talk with a prospective insurance agent about the risks associated with your unique situation. They can help you understand why one policy will be a better choice than another.
  3. What is your claims process? How do I file a claim? Things happen, and you may need to file a claim at some point. Knowing how the process works and whom you can speak with when the inevitable occurs is helpful. It also gives you insight into the ease of use you may experience.
  4. What is the average processing time for claims? All claims take time to process, but it shouldn’t be arduous and time consuming. When you file a claim, you want to know that things are moving along and when you can expect compensation, especially if you need repairs done to the property.
  5. Can you customize commercial insurance policies to meet my business needs? Quality insurers understand that customization is required for the best coverage for their customers. Ask about your industry and any special requirements you may have. You have different risks working as a plumbing contractor than a daycare operator, and you want to know if the policy will meet your needs.
  6. How can I lower my premiums? Do I qualify for any discounts? Different factors go into your premiums, and you want to save money. Ask about potential discounts and anything you can do to lower premiums. For example, you may get additional discounts for installing security cameras around your office building.

Get Excellent Business Protection – Choose Local Commercial Insurance

Shopping for commercial insurance in Mississippi is easy when you reach out to the dedicated brokers at Hawsey Insurance. Our team is ready to answer all your questions to help you get the best coverage for your unique needs at a reasonable rate.  Learn more and enjoy outstanding service when you contact us today.

Call Hawsey Insurance at 601-856-7707 for a free quote on commercial insurance in Mississippi. Feel free to contact us online or make an appointment to stop by our Madison, Jackson, and Southaven, MS offices.