What Types of Insurance Products Fall Under the Commercial Insurance Umbrella?

Posted on February 8, 2023February 8, 2023 by admin

If you are looking to purchase commercial insurance in the greater Waldorf, MD area, BES & Associates Insurance is here to help you. One of the questions that we are often asked is what exactly is commercial insurance. Commercial insurance is a general term that refers to the many commercial insurance products that fall under the commercial insurance umbrella. If you own a business, commercial insurance products can benefit you.

Here are some of the most common types of commercial insurance products available.

Commercial Auto Insurance

If you are using any type of vehicle for business purposes, you need commercial auto insurance. This includes vehicles that are being used to make deliveries or to transport items or materials to your customers. If you have commercial vehicles and you have a standard auto insurance policy, your claim can be denied if those vehicles are used for commercial reasons.

Workers Compensation Insurance

If you have one or more employees working for you, you are required to carry workers’ compensation insurance. Workers’ compensation insurance helps to pay for your employee’s medical expenses and lost wages if they are injured on the job.

Business Interruption Insurance

Your business can be interrupted for a number of reasons, including a health pandemic, a natural disaster, or a fire or pipe burst in your business. If business is interrupted, you may not make the money that is needed to pay your bills. Business interruption insurance helps to pay you for the business profits you lost due to things out of your control.

Give Us A Call

There are many different types of commercial insurance products, all designed to help you with a specific aspect of your business. Here at BES & Associates Insurance, serving the greater Waldorf, MD region, we can help you select the insurance products that are best suited for your business needs. Reach out to us today to schedule an appointment.

How to Prevent Ice Dams From Damaging Your Roof This Winter

Posted on January 16, 2023January 18, 2023 by admin

Winter weather is not always nice to your home. And while there are some issues that arise that you cannot prevent, there are other issues that you can try to minimize or prevent from happening altogether. At BES & Associates Insurance, serving the greater Waldorf, MD region, we provide home insurance to residents in the state of Maryland. We also want to provide tips to help minimize the frequency with which you may need to use your home insurance policy.

Here are a few tips that can help to prevent ice dams from forming on your roof and causing roof damage.

Preventing Ice Dams From Damaging Your Roof This Winter

Remove Snow From Your Roof

One of the ways that you can prevent ice dams from damaging your roof this winter is to remove snow from your roof. As the snow starts to melt, it turns to water. This water can then turn to ice if it starts to freeze again, which creates the base for an ice dam to form. By removing snow from your roof with a snow rake, you can prevent a lot of ice dams from forming.

Clean Out Your Gutters

The other way to prevent ice dams from forming is to clean out your gutters during the fall months. When your gutters are free and clear of debris, water can flow from your roof and away from your home. If the gutters are filled with debris, that debris can trap water, and then that water may freeze. This can lead to the start of an ice dam. By cleaning debris from your ice dams, you can prevent ice dams from forming.

Get Your Home Insured Today

Ice dams can form on your roof during the winter months. They can become quite heavy, and unfortunately, they can cause a lot of damage to your roof or even cause your roof to cave in. While you cannot prevent all types of damage from happening to your home, you can prevent some types of damage, including most ice dams. Here at BES & Associates Insurance, serving the greater Waldorf, MD area, we can help you with all your home insurance needs. Contact us today to get started.