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Commercial insurance is an insurance policy that you get to protect your business from any kind of risk that could cost you just because you are open for business. There are a number of liabilities that you need to worry about.

At the Daniel Carinici Agency LLC, we want you to stop worrying about these liabilities. The right commercial insurance product will put your mind at ease, and protect you from every possible liability.

Commercial Liability Insurance

Commercial liability insurance is the most standard commercial insurance policy. It will protect against a number of liabilities that your business could face. If something happens at your place of business, and you are found to be liable, you could make a claim on your commercial liability insurance.

Personal Injury

Personal injuries such as slips and falls happen at American businesses annually and send millions to the emergency rooms every year. Your commercial insurance can protect you against these liabilities if a customer suffers an injury at your business. If you have vendors or contractors working in your place of business that suffer an injury, you can also file a claim to cover those costs in the event that you are sued.

Property Damage

When property is damaged under your business watch, that could be your liability to cover. This could include anything. You might cause damage when you are fixing someone’s home or hit a car when you are delivering something. Property damage insurance on your policy will help you to cover those liabilities.

Reputational Injury

If you experience defamation or slander or are accused of this, you can use your commercial insurance to cover these problems. Some commercial insurance policies will cover this problem. Many businesses will also use commercial umbrella insurance to avoid financial losses if this should happen.

Get a Quote

At Daniel Carinici Agency LLC we know that being liable for something is an awful experience. Accidents happen. They can be costly. Call us for a quote and make sure that your commercial insurance policy is up to date.

Home insurance comes second after buying a home. That’s why you need to make sure you get the most out of your policy. But how do you know which coverages to buy when you don’t have a clue what to look for? If you are in the market for a policy that fits your needs, Daniel Carinici Agency LLC is ready to answer any questions you may have regarding home insurance. However, there are four things you can do to make your insurance journey easier.

Do enough research

Before contacting any insurance provider, research home insurance. Find out what coverages are offered and how much insurance you might need. You also need to familiarize yourself with the home insurance claim process if a covered accident happened in your home.

Shop around

Don’t just walk to your nearby Pittsburgh, PA insurance company, but consider checking online offers. Most insurance companies have websites to find information from the policies offered to the location and contacts. Compare quotes and find out what each company is bringing to the table. Don’t go for the cheapest, but look for discounts.

Ask what you don’t understand.

Once you have your ideal company, don’t sign anything until you have understood your policy. Ask questions where you don’t understand, find out what is not covered, and enquire about discounts and deductibles. Most home insurance policies only cover a few natural disasters, so make sure you know which ones to avoid filing claims for uncovered perils.

Review your insurance needs before signing

Your home insurance needs keep changing, and that’s why you may want to study your insurance needs before buying insurance. For instance, if you have teenagers in the house, you can focus on liability. If you live in a high crime rate area, you could buy enough personal property insurance and dwelling coverage.

For more information about home insurance in Pittsburgh, PA, contact Daniel Carinici Agency LLC today!