Category: Commercial Insurance

Lana Insurance Center Inc has served Wallingford, CT business owners for a number of years. We often get asked about the best ways for a business to stay prepared when a storm or other adverse weather is heading your way. 

Here are some steps you can take to ensure that your business is ready for whatever the weather brings:

1. Keep an eye on the forecast.

Pay close attention to any warnings issued by local authorities and make sure to stay informed about changing conditions in your area. It’s also a good idea to check the current weather conditions before heading into work, so you know what you may face when you arrive at the office.

2. Have an emergency plan in place.

Whether it’s keeping an extra set of car keys stashed away in case yours get locked inside during a power outage or knowing where essential supplies—such as flashlights, batteries, and canned foods—are located in case of an extended power outage, having a plan can help you stay calm and focused when the weather turns against you.

3. Stock up on emergency supplies.

As well as keeping the basic necessities like flashlights and food on hand, make sure that your business has enough toilet paper, paper towels, bottled water, and other more obscure items stashed away just in case they’re needed. It might be helpful to have these supplies stored off-site for added protection against any potential damage or flooding that occurs at your place of business.

4. Keep communication channels open with your staff.

Whether it’s through email or phone calls or even in-person meetings, make sure that you stay in regular contact with your employees during a storm or other emergency. This will keep them informed about your emergency plans and how they can stay safe. 

Contact Us Today

For more tips on how to get ready for a storm, call Lana Insurance Center Inc. today! We proudly serve the Wallingford, CT area. 

Food trucks have become incredibly popular in the last few decades, which is why many people may not know what type of insurance is right for that type of mobile business. Do they need automobile insurance or commercial insurance? Before starting a food truck business, it is imperative to know what kind of insurance is required and protect the owner from losses due to various risks. 

Do Food Trucks Need Commercial Insurance?

In a sense, food truck insurance is commercial auto insurance but has a hybrid policy’s qualities. This type of insurance protects the vehicle as well as permanently installed equipment and appliances. Additional coverage for contents, much like RV insurance, may be available with some providers and policies. Make sure to have an experienced agent assist with the policy selection as well as explain all of the terms and conditions before finalizing the policy agreement. 

Finding The Right Coverage

It can be confusing when trying to shop for specialty insurance alone. That is why people who are looking for food truck insurance should work closely with an agent. People who live in or near the Wallingford, CT area can count on Lana Insurance Center Inc. to help them get the policy they need to protect their investment from potential hazards and gaps in coverage. In addition, they can help file claims or assist with policy adjustment as the food trucks grow and change to its business plan over time. 

Those who are searching for high-quality food truck insurance or any commercial policy should call or stop by Lana Insurance Center Inc., serving the residents in and around the Wallingford, CT area today. We can get the ball rolling, so finding the right policy is quick and easy. 

Small business owners have different insurance needs than large companies. These needs are also different than personal insurance needs. Selecting the right commercial policies are important for the stability of your business. If you are a small business owner in Wallingford, CT, consider commercial insurance from Lana Insurance Center Inc. 

Commercial Liability

Most small businesses will need a general commercial liability policy. This policy will cover claims from damage or injuries that occur on your business property. If you have a physical business, you will need a general liability policy. It may also cover libel and slander claims. 

You might need professional liability as well. General liability covers claims not related directly related to your product or service. Professional liability covers claims that come from defects in your work or product. If someone slips inside your store, general liability will cover it. If you make a surgical mistake, it would be covered by professional liability. 

Commercial Property Insurance

Commercial property insurance covers buildings on your property and their contents. This includes business equipment and inventory. This coverage is needed for stores, factories, warehouses, and office buildings. If you own a home-based business, you may still need a commercial property policy to protect expensive business equipment and inventory. 

Worker’s Compensation Insurance

If your business has any employees, Connecticut law requires you to have worker’s compensation insurance. Sole proprietorships are exempt from the requirement. Worker’s compensation will cover injuries and missed work time if an employee is injured on the job. 

Choosing the right commercial insurance policies can be difficult. Our friendly agents will learn about your business and your specific needs so they can make the right recommendations. Contact Lana Insurance Center Inc. in Wallingford, CT to learn more about our policies.