Convenience
For your convenience we’ll come to your location to discuss your insurance needs. We shop your insurance through all of our companies and place your business with the best combination of price and coverage for your unique needs. At RF D’Agostino Insurance we truly are a one-stop shop for business insurance with over seven companies for your unique needs!
Tailored to your unique needs:
Some businesses need a simple, no frills policy, while others need a full package of coverage. We can help no matter what your needs are. We have several markets for simple liability insurance as well as package policies including liability, buildings, equipment, accounts receivable, business interruption and much more! We have markets for almost any type of business. Call us today and start enjoying the benefits of having all your insurance under one roof and an agent who truly cares about your needs.
These are a just a few of the options our commercial programs offer:
Business Income Coverage:
This coverage is used when the business has a necessary suspension. This coverage will pay the actual loss of business income throughout the restoration after a loss. The business delay must be an effect of a direct physical loss or damage.
Accounts Receivable:
Money owed to a company from a customer as a result of a purchase of goods or services. Accounts receivable is usually a department within the accounting department which keeps track of all the money owed. It is usually paid in a short period of time ranging from a few days to a year.
Building Ordinance or Law:
As standards in construction changes so doesn’t building codes and ordinances, that is why Insurance companies offer a Building Ordinance or law endorsement. It is actually three separate coverage’s that when combined provide protection after a loss. The coverage’s include Coverage 1, Loss to undamaged portion of the building. Coverage 2, increased demolition cost, and Coverage 3, increased cost of Construction. All of these coverage’s are there to ensure you can rebuild the structure to meet updated building codes.
Equipment Breakdown:
This coverage pays to repair or replace equipment damaged by a covered accident. Incidents that would be covered include power surges, short circuits, centrifugal force, boiler overheating or cracking, and mechanical breakdown.
Employment Practices:
It is a form of Liability insurance which is some what new. It provides security against claims made by current employees, former employees, or future employees. It covera against discrimination (age, race, sex, etc), wrongful termination of employment, sexual harassment, and other possible allegations made towards your company.
Employee Dishonesty Money & Securities:
An endorsement used to protect your business from theft, fraud, or embezzlement within your own staff. It would cover any loss of money, securities & other property committed by an employee. Automatic Credit card fraudulent included. There is also an option to include “Crime coverage”, or theft of your assets from a non-employee.
