FAQ's
Call Us 281-733-2666
FAQ's
Call Us 281-733-2666

For All Your Questions,
We've Got Answers.

Frequently Asked Questions

1. Why do I need to get commercial liability insurance?

As a general rule, you should insure against things you wouldn't be able to pay for on your own. This coverage protects against financial loss as the result of bodily injury, property damage, medical expenses, libel, slander, defending lawsuits, and settlement bonds or judgments.

2. How is a business owners policy (BOP) different from General liability?

A business owners policy, or BOP, is a package of coverages, including general liability, which have been grouped together to provide, at minimum, coverage for the basic common losses faced by a business.

General liability insurance provides legal defense and insurance protection against things like slips, trips and falls as well as 3rd party property damage. General liability is an important coverage to your business, but it is only one of the many coverages that you need to properly protect your business.

3. What is a Business Certificate of Insurance?

A certificate of insurance (COI) is a document that your insurance company will provide you to show your  proof of having business insurance. This document is typically about one page long and provides a  summary of business insurance coverage that your business has.

4. Why should I have Workers’ Compensation Insurance for my business?

Workers' compensation is good for both employers and workers because it protects both parties. It's the only insurance that provides both medical and disability coverage for workers as well as legal protection for employers.

5. Why should I have Cyber Liability Insurance?

Regardless of the type or size of your business, there is always a risk for cyber-attacks.

6. How long do I have to file a claim?

You should try to file your insurance claim as soon as reasonably possible. Some insurance companies will allow you to file a claim online, a mobile app, or by phone with one of their agents. The contact information for your carrier or vendor can be located on your policy package.

7. How does the claim process work, do I contact PC insurance LLC?

You can always contact your Agent at PC insurance LLC for assistance. However, ideally you should go directly to your carrier with your policy information and description of the loss or reason for the claim. They will give you the specifics and timeline of how your claim will be overseen.

8. When should I Get Business Insurance?

When starting a business, it’s essential to have business insurance to protect everything you’ve worked hard to create. There isn’t a specific best time to get insurance, but the sooner the better. In fact, most states will require you to have some types of business insurance to get started. You can also add coverage when you:

  • Renew your policy
  • Hire or lay off employees
  • Relocate
  • Get new equipment
  • Offer new products
  • Increase or decrease your income significantly
9. How Do I Get Commercial Or Business Insurance?

The first step to getting commercial insurance for your business is to contact a licensed and experienced insurance agent. Our professional insurance agents at PC Insurance will assess your business risks and help you choose the coverage you need most. They will recommend the most relevant policies to protect your capital, business and give you peace of mind.

Our team strives to provide fast and friendly service so you can insure your business quickly and easily. At PC Insurance, we can send quotes in a matter of hours to help you make informed decisions for your business.

Our team can help protect your assets by providing some of the most affordable insurance rates on the market. Our team has over 15 years of experience. We understand the time and effort that goes into building a successful business, and we want to help you preserve your hard work. Contact us today at 281-733-2666

10. Is Business Insurance Tax Deductible?

Business insurance is tax deductible. The Internal Revenue Service (IRS) classifies business insurance, both legally required and special insurance policies, as business costs. Therefore, you can deduct your insurance premium from your taxable income.

To save the most money, it is important to know exactly what premium is tax deductible you can apply for your business. For example, you may not deduct health insurance from your taxable income. It can be a challenge trying to determine which policies are included. An experienced CPA tax expert can help you determine your tax deductibles and provide the paperwork needed.

The following insurance policies are often tax deductible:

  • General liability
  • Professional liability
  • Workers’ compensation
  • Commercial property
  • Business interruption insurance
  • Cyber liability insurance
  • Commercial auto
  • Unemployment insurance policies
  • Inland Marine contractor equipment
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