Having a business can be tricky, especially if your industry doesn’t thrive year-round. It’s understandable wanting to cut costs wherever you can. Although your business may only operate during certain seasons or months, you may still need to have insurance protection. There are seasonal business insurance policies that will provide coverage during those months where your work is heavy, and step in to provide protection even when things are slow to avoid any gaps in insurance. This insurance also helps you if you have a weaker season than expected to help avoid huge losses.
Is seasonal business insurance something I need?
There are certain criteria that will determine whether or not you should get seasonal business insurance:
· Do you only operate during specific seasons of the year?
· Is your company dependent on the weather (skiing)?
· Does your company make the most money during certain times of the year?
If your business falls into one of these categories, you may want to acquire one of these policies.
Do I still need commercial auto insurance during these months?
Having commercial auto insurance during the months your business is not in operations is still a good idea. There may be a special event or a disaster and making sure your car is covered should be a top priority.
Getting the advice from a trusted independent agency that can help you compare quotes and make the best decision is a key. For more information on seasonal business insurance policies and protecting your business the right way, contact an agent at Peter Laczko Insurance to find out what options are available that will meet the needs of your business and keep you covered.
