Commercial policies are a great way to protect your business and to make sure that if something does happen to your business, you are able to use your commercial policy to recover after a loss. If you live in the Little Falls, MN area, the agents with Hanneken Insurance Agency Inc. can help you to find the commercial policy that is right for you.
So what voids your commercial policy? Whenever a commercial insurance policy is drawn upon the insurance agency will send out an agent to look at each individual case. They will collect information, collect evidence, and try to figure out what happened to the commercial property and what needs to be done to complete the claim and get the business back to normal. There are a few different things that will void a commercial policy, the biggest issue is going to be if the insurance agent or insurance investigator finds that the event could have been prevented or was the direct cause of the policyholder.
Say for instance a commercial property burns to the ground. If it was found that the building was burned down by arson, your policy is not going to pay. Another issue might be a claim that is based on the injury of an employee, if it is was found that your employee was injured due to your own negligence, you are not going to be able to draw on your policy. It is always best to talk with an agent about what might void your policy so that you can be sure you are on top of everything and that your policy is going to fully protect your business. If you live in the Little Falls, MN area, the agents with Hanneken Insurance Agency can help you to get the policy that is right for you.