SMALL COMMERCIAL OLD

[vc_row css=”.vc_custom_1560793098479{padding-bottom: 50px !important;}”][vc_column css=”.vc_custom_1560787615631{padding-bottom: 45px !important;}”][ultimate_heading main_heading=”If you own a small business, whether a neighborhood retail store, medical office, mid-sized contractor or other, it is important to protect your investment and reputation.” sub_heading_color=”#045a97″ main_heading_style=”font-weight:bold;” sub_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:20px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” main_heading_font_size=”desktop:21px;”]We work with small commercial carriers that allow us to provide not only business property insurance and general liability, but many optional endorsements and package options that may be tailored to your needs.[/ultimate_heading][/vc_column][/vc_row][vc_row full_width=”stretch_row_content_no_spaces”][vc_column][dt_fancy_separator line_thickness=”1″][/vc_column][/vc_row][vc_row css_animation=”bounceInUp” bg_type=”bg_color” bg_override=”full”][vc_column][ultimate_heading main_heading=”WHY SMALL COMMERCIAL INSURANCE?” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading”][/ultimate_heading][/vc_column][/vc_row][vc_row css=”.vc_custom_1560787254950{padding-bottom: 40px !important;}”][vc_column width=”1/2″][vc_single_image image=”2540″ img_size=”medium” css_animation=”bounceInRight” lazy_loading=”true”][/vc_column][vc_column width=”1/2″][vc_column_text css_animation=”fadeInDown” css=”.vc_custom_1596637368153{padding-bottom: 10px !important;}” el_class=”product_explanation_righ_side”]

Having a loss, whether it is property or liability, can really damage a small business due to a loss of cash flow. Having proper insurance can help you sustain your business operations during a loss and cover financial losses if covered.

In addition, if the business is in your home, your Homeowners carrier will limit or exclude coverage. Depending on the business type, you may also be required to have business insurance.

[/vc_column_text][/vc_column][/vc_row][vc_row css_animation=”bounceInUp” bg_type=”bg_color” bg_override=”full” bg_color_value=”#f1f1f1″][vc_column][ultimate_heading main_heading=”WHAT’S INCLUDED IN SMALL COMMERCIAL INSURANCE” main_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_style=”inset” line_height=”1″ line_color=”#0b4da3″ line_width=”70″ main_heading_font_size=”desktop:25px;” el_class=”line_seperator_heading”][/ultimate_heading][/vc_column][vc_column width=”1/2″][vc_column_text el_class=”whats_included_in”]

  • Small Commercial policies vary based on your needs and business type. This list shows what is available, but may not apply in every situation.
  • Business Property and Liability (monoline or in a package)UmbrellaCrimeInland MarineCommercial Auto

[/vc_column_text][/vc_column][vc_column width=”1/2″][vc_column_text el_class=”whats_included_in”]Sena Insurance has partnered with Liberty Mutual, a Fortune 100 Global insurer with sound financial stability and extensive expertise, to provide our customers the ability to protect their business against the unique risks they face. With more than 1 million small commercial policies inforce, they understand your small business needs. The commercial lines package products provide property and liability coverage in a single policy that can be tailored with industry-specific coverage to suit your needs.[/vc_column_text][/vc_column][vc_column el_class=”call_us_in_product_page”][vc_column_text css_animation=”bounceInRight”]Call us for a quote or questions regarding Small Commercial Insurance at +1 713 369 0997[/vc_column_text][dt_default_button link=”url:%2Fmodern-business%2Ftestimonials%2F|||” smooth_scroll=”y” size=”medium” btn_width=”btn_fixed_width” custom_btn_width=”300″ button_alignment=”btn_center” animation=”fadeInDownBig” icon_size=”14px” icon_type=”picker” icon_picker=”far fa-question-circle”]CLICK HERE FOR QUOTE[/dt_default_button][vc_empty_space][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][ultimate_heading main_heading=”FULL COVERAGE DETAILS” main_heading_color=”#045a97″ sub_heading_color=”#045a97″ spacer=”line_only” spacer_position=”bottom” line_height=”1″ line_color=”#025b95″ main_heading_style=”font-weight:bold;” sub_heading_font_size=”desktop:18px;” sub_heading_line_height=”desktop:34px;” main_heading_margin=”margin-bottom:10px;” line_width=”60″ main_heading_font_size=”desktop:25px;”]Depending on the policy and coverage selections you make, your auto policy may provide the following coverages, subject to policy coverage limits:[/ultimate_heading][/vc_column][/vc_row][vc_row disable_element=”yes”][vc_column][ult_tab_element tab_style=”Style_2″ tab_animation=”Slide-Horizontal” auto_rotate=”Enable” tab_max=”on” font_icons_position=”Left” icon_color=”#031f4b” tab_describe_color=”#045a97″ container_border_style1=”border-style:none;|border-radius:3px;”][single_tab icon=”fab fa-themeisle” title=”Dwelling” tab_id=”1595641320249-3″][vc_column_text el_class=”tab_insurance_content”]

This covers the physical structure or dwelling up to the limit shown on your policy.
Coverage does not include detached structures, such as swimming pools (some Florida carriers do include this), driveways, fences, sheds or other structures not attached to the dwelling.
In the event of a total loss, this coverage should equal the cost to rebuild a new home.
Materials and labor are included and coverage is generally derived by the average cost to rebuild a home in your specific location.
General Perils include Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism, and Malicious Mischief.

NOTE: Land value is not included in the valuation of the replacement cost on your dwelling.
*Please refer to your policy for a complete list of covered perils and excluded perils. On a Condo policy, this coverage is for additions and alterations. It picks up where your master association policy ends.[/vc_column_text][/single_tab][single_tab icon=”fas fa-building” title=”Personal Property” tab_id=”1595641320345-5″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

This is to protect the personal belongings owned by you and located on the residence premises, up to the limit shown on your policy.
It includes all real property, i.e., appliances, furniture, clothing, artwork, silverware, dinnerware, cookware, audio-visual equipment, lawn care equipment, books, and many other items.
General Perils include Theft, Fire, Lightning, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism, and Malicious Mischief.
Some types of property such as jewelry have special limits and need to be scheduled to be fully covered.
It is also important to have the replacement cost on contents endorsement, so your belongings are covered at replacement cost and not actual cash value.

*Please refer to your policy for a complete list of covered perils and excluded perils.[/vc_column_text][/single_tab][single_tab icon=”fab fa-creative-commons-nc” title=”Additional Living Expenses” tab_id=”1596272988101-2-10″][vc_column_text css_animation=”none” el_class=”tab_insurance_content”]

This provides coverage for additional costs you incur due to your home being uninhabitable in the event of a covered loss.
This includes housing costs, increased meal costs, increased laundry costs, etc. For example, if your home was not safe to reside in due to damage by a fire, this coverage provides funds for a rental home or apartment during the repairs.
This coverage generally ranges from 10% to 30% of your dwelling coverage.
Sometimes it is a time period and means the reasonable cost incurred for that time period (typically 12 months).

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