Commercial insurance that most businesses can benefit from

Three generations of the McFarland family have contributed almost 100 years to the insurance business. Clockwork Insurance Services in Metairie, LA, carries on the legacy and the philosophy of customers first, which is the cornerstone of our business model. We want to help you protect your business, and we provide all the tools you need to achieve this.

Commercial property insurance

Commercial property insurance covers not only your building, if you own it, but all the things you use to carry out your business. It protects your inventory and raw materials, and depending on the type of business you are doing, it covers machinery, display units, office equipment, tools, and records.

Commercial flood insurance

Commercial property insurance does not cover flood damage. If your business is in an area where flooding is a potential threat, you should have this coverage. There are two types of flood insurance: property and content. You will need both of them to protect your business.

Commercial liability insurance

Commercial liability insurance may be the most important type of commercial insurance of all. Approximately one in three businesses will be sued every year. Being sued is one of the fastest ways to tank your business. There is a judgment, and then the legal fees can be astronomical whether you win or lose. With the correct amount of liability insurance, you can protect your assets and save your business.

Commercial auto insurance

If you use your personal vehicle to conduct business, you are putting your home on the line. You need to separate your personal assets from your business assets, and individual auto insurance won’t cover the business use of your vehicle.

Call our office at Clockwork Insurance Services in Metairie, LA, if you have commercial insurance questions or needs.

Be Prepared This Holiday Season

As we approach the holidays our jewelers start stocking up on inventory. Hoping and anticipating a busy season of sales this is a proactive way to have what your next customer is looking for.  

In stocking up your stores you are also increasing the potential loss should the store be burglarized whether a “smash and grab” or a “grab and run” this is a good time to evaluate your asset protection.  Here are a list of recommended protections measures to consider.

-Show one item at a time.

-Keep showcases locked.

-Watch for those “casing” your store.

-Increase the number of employees on the floor when you have more customers in the store.

-Laminate your showcases. To laminate your showcases this slows down the ability for someone to use a hammer or other metal object to smash the showcase glass.

-Respond to every alarm. Anytime an alarm goes off go in person or send someone in person to check what set it off.

-Consider adding more cameras.

These are a couple of ways to ensure the holiday season is as profitable as it should be. For other tips and suggestions and to keep up with the current crime facts sign up the Clockwork Insurance newsletter: https://www.clockworkinsurance.com/crime-facts.html

Be prepared this season. Call Clockwork at 504-262-8240 for a review of your coverage.