{"id":35,"date":"2017-06-06T02:00:00","date_gmt":"2017-06-06T14:00:00","guid":{"rendered":"http:\/\/www.curtismillerins.com\/blog\/?p=35"},"modified":"2017-05-23T12:57:43","modified_gmt":"2017-05-23T18:57:43","slug":"do-i-need-commercial-insurance-yet","status":"publish","type":"post","link":"https:\/\/www.curtismillerins.com\/blog\/do-i-need-commercial-insurance-yet\/","title":{"rendered":"Do I need commercial insurance yet?"},"content":{"rendered":"<p>Just starting a new business? Here&#8217;s what you need to consider before calling Curtis Miller Insurance:<\/p>\n<ul>\n<li>Do you have investors?<\/li>\n<\/ul>\n<p>If you&#8217;re starting a small business in a home office in Parkersburg, WV, you might not need commercial insurance just yet. But, if you&#8217;re going into a new venture with some insurers who have helped you to build your storefront or rent some office space, then commercial insurance is a must to ensure that you&#8217;re covered and not left paying your investors out of pocket should something go wrong.<\/p>\n<ul>\n<li>Can you pay for damages out of pocket?<\/li>\n<\/ul>\n<p>Some businesses have very low overhead. If your whole business is a camera and a laptop and you get to work in your personal car, commercial insurance might not be a requirement until you upgrade to a studio and a company car. If you&#8217;re primarily selling your abilities as a freelancer, then the real goods are the years you spent training and learning your craft.<\/p>\n<ul>\n<li>Do you have a physical location?<\/li>\n<\/ul>\n<p>If the answer to this is yes, and the physical location is not covered by your home insurance, then it&#8217;s time to look into commercial coverage. Commercial insurance is intended to cover all the physical assets involved in your work, so if you have some valuable physical assets, and they&#8217;re not covered by any insurance policy you&#8217;re already holding, then it&#8217;s time to give Curtis Miller Insurance a call.<\/p>\n<p>The good news is that commercial insurance in Parkersburg, WV isn&#8217;t as pricey as you might expect. Get a quote and see for yourself. Not everyone who runs a business needs a commercial policy, but if you do, you don&#8217;t want to go a day without it.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Just starting a new business? Here&#8217;s what you need to consider before calling Curtis Miller Insurance: Do you have investors? If you&#8217;re starting a small business in a home office in Parkersburg, WV, you might not need commercial insurance just yet. But, if you&#8217;re going into a new venture with some insurers who have helped [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,6],"class_list":["post-35","post","type-post","status-publish","format-standard","hentry","category-uncategorized","tag-curtis-miller-insurance","tag-parkersburg-wv"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts\/35","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/comments?post=35"}],"version-history":[{"count":1,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts\/35\/revisions"}],"predecessor-version":[{"id":36,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/posts\/35\/revisions\/36"}],"wp:attachment":[{"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/media?parent=35"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/categories?post=35"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.curtismillerins.com\/blog\/wp-json\/wp\/v2\/tags?post=35"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}