As a business owner, you want your Cleveland used car dealership to be set up for long-term success. Having the right insurance protection is an invaluable facet of protecting your business from any unexpected issues that come up, and you should be able to have the best insurance coverage for your situation. 

You don’t have to settle for less than the policy that fits your dealership when you can have the coverage that can give you peace of mind. Your used car dealership is a strong business, but issues can wreak havoc on the best of organizations. Someone in your position wants to have the right protection ready should your business have to deal with a mishap or disaster in the future, and a great policy can do that for you. 

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Even the most prepared used car dealership owner can be blindsided by unforeseen issues, so knowing how you can set your business up for long-term success in an uncertain environment is a must. Here are some important facets of a good Cleveland used car dealership insurance policy: 

• Dealers open lot coverage is important because it deals with physical damage situations. It also includes comprehensive coverage, which protects your business from storm damage, damage caused by nature, and theft issues. Dealers open lot coverage helps you handle the unpredictable disasters and issues that physical damage situations can procure - and that is no small thing for a used car dealership owner. 
  

 

• Garage liability coverage covers liability situations involving your used car dealership's garage. Protect your dealership’s garage with effective coverage; liability scenarios can come up in the blink of an eye. Since maintenance mishaps can be disastrous for your business, having the right coverage for your situation and your unique business is invaluable. 
  

 

• False pretense coverage is important for a car dealership because if someone uses another name to test drive a vehicle and then steals it, you could be out thousands of dollars. While you never want to have to deal with such a scenario, you could very well find yourself facing a false pretense issue at some point, so being prepared is a necessity.
  

 

• Auto liability coverage helps you deal with accidents involving your used car dealership’s vehicles, which is a valuable benefit for your lot. Legal issues can drain your business’ resources and bankrupt its reputation, so having the right coverage can save you a lot of trouble. Since lawsuits can be a headache for everyone involved, arm yourself with the best coverage for your business autos - chances are, you will thank yourself later. 
  

• Optional inventory coverage takes care of physical loss or damage caused by someone or something outside your business. Insurance protection for physical loss and damage is a crucial part of setting your business up to thrive in the world we live in. Since there is no way that you can control external issues, having ample insurance coverage at the ready can be one of the best things you do for your business. 
  

Why leave your used car dealership’s well-being up to chance? You don't have to take the first policy that comes your way when you can have the help you need in order to acquire the best policy for your business, so talk with your Cobos insurance agent about any questions or concerns you may have about your specific insurance needs. After all, you should not have to wonder whether or not you are sufficiently prepared for the ups and downs that come with any business endeavor when you can be certain that you have the right policy in place.

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Finding the best protection for your needs is invaluable in every aspect of our lives, but it is especially important when it comes to protecting something as valuable as your business. You cannot know what will come up in the future, but you can be ready to deal with any obstacle that your business faces. 
 
Here at Cobos Insurance, your protection is our priority, and we want you to have the tools you need in order to thrive for years down the road. You can call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; contact us today so that we can help you find the coverage that best suits your Cleveland business. 

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As a business owner, you want the right insurance coverage for your used car dealership, and there is every reason to ensure that your used car dealership is set up for long-term success. Having an insurance policy that meets your unique needs is an attainable goal - and now is the best time to find the right coverage.

Of course, auto liability coverage is absolutely vital. Auto liability damage can be devastating, so don't settle for less than the right insurance protection for your used car dealership. There are many different types of liability situations that can arise, and you don't want to have to deal with any of them without sufficient coverage at the ready. Good garage liability coverage safeguards your business from liability issues that involve your business' garage. You don't want any maintenance catastrophes to derail your used car dealership, and the right garage liability protection can greatly benefit your business in that area. Dealers open lot coverage can give you physical damage protection in the case that an accident happens with one of your business’ vehicles. This includes comprehensive coverage, which deals with theft, storm damage, and other losses that don't stem from accidents. 
 
False pretense coverage helps protect you from scamming issues. For example, should someone use another name to test drive a vehicle and then takes off with it, this helps cover that loss. The thing is, while you don't want to imagine such a situation happening, you need to be prepared for it. Another important aspect to consider is optional inventory coverage, which covers damage or loss caused by outside sources. There's only so much that you can control, so having insurance protection to help you deal with such damage can be a game-changer.
 
Don't believe that you have to settle for the first half-decent used car dealership insurance policy that comes your way. Your business is unique, and you don't have to have cookie-cutter insurance coverage when you can have coverage that fits your situation just right. 

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These days, some of the hottest places to eat in Cleveland have wheels! Food trucks have swept the city, offering not only a great way to get outside for a meal, but also some fantastic cuisine.Restaurants like Fahrenheit and Barrio have food truck versions of their brick and mortar establishments. But there are also trucks like Smokin Rock n Roll, Betty’s Bomb A** Burgers and CLE Wok and Roll who are creating unique and delicious food just for taking it to the streets.

So, where can you find food trucks to enjoy fun outdoor dining? Here are some local events featuring some of Cleveland’s best food trucks:
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• Walnut Wednesday happens every Wednesday from 11am-1:30pm through September 28 at Perk Plaza in Downtown Cleveland.  These events are put on by the Downtown Cleveland Alliance and feature a host of food trucks, as well as live music.

• Food Truck Mondays take place every other Monday at Legacy Village in Lyndhurst. There will be food trucks and live music on hand, plus the chance to shop at Legacy Village of course!

• NineTwelve Shop Stop happens on Tuesdays from 12-1:30pm through August 29 at the Plaza at One Cleveland Center. These events involve more than just food trucks, there are also local merchants selling their wares, plus live music.

• Truck Stop Tuesday happens at Crocker Park every Tuesday from 11am-2pm through September 27. There will be food trucks on Main Street, plus the chance to peruse all the Crocker Park shops.

Wherever your favorite food truck may be parked, make sure to swing by and grab some delicious food in the summer sunshine!

And if you’re thinking of joining the food truck craze with your own mobile restaurant, be sure to contact Cobos Insurance Center for help navigating the curves of insuring a restaurant on wheels.

  The freedom of working from home while running a flourishing business, like anything good in life, doesn't come without it's risks. The key is to identify those risks, acknowledge those risks, and then manage those risks and luckily for you, we are here to help! This post should give you a general idea of what home based business insurance is and how it can help you and your business manage risks more effectively. Our goal is to educate you as a business owner, but we also understand that your business is unique and requires specific coverage. If you are transitioning your home based business to a industrial or retail location, be sure to check out our page on Business Insurance. 

Is my business eligible for home based business insurance?

You need to be a home based business that doesn't have any outside partners, members, or stockholders. If your family that lives with you helps out with the business, that is completely acceptable. You need to operate from your home or other structure on your property, and you can not use more than 50% of your home to run your business. You can not exceed a gross annual sales amount of $250,000 and you can only employ 3 non-resident relatives or less. You also need to have the appropriate heating, cooling, and plumbing to adequately run your business. (If this requires updates to your home, then you will need to complete those updates to qualify for home based business insurance) Lastly, you can not be involved with the sale of personal care products like shampoo, hair color, soap, or perfume. If you're not sure if you qualify as a home based business, you can call us directly at 440.233.6199 and we can chat with you further!

What does home based business insurance cover?

Business property that is located on your home property can be covered up to a certain amount if you would like. If you have other structures on your property used specifically for your home based business, they can be covered under your home based business insurance policy. If you have a loss of income due to a covered claim, your income could be covered for up to 12 months! You have the ability to insure up to $1,000 of cash on your property as well as valuable papers and records up to $5,000. You could cover your business use of credit cards up to $1,000 as well. Accounts receivable could also be covered up to a certain amount. If damage occurs to the property of others, it could be covered with an endorsement as well. With a home based business insurance policy, you could also protect yourself with personal liability coverage as well as medical payments to others. 

What is considered a home based business?

If you're not sure what types of business can be considered, here are quite a few businesses that can potentially be run from your home!
 

• Accountant
• Bike Repair
• Boat Cleaning
• Business Planning
• Cleaning Service
• Computer Repair
• Dog Grooming/Breeding
• Fruit Stands
• Flower Shop
• Greenhouse
• Honey Sales
• Bakery
• Pumpkin Patch
• Vegetable Stand
• eBay Sales
• Event Planner
• Financial Planner
• Golf Coach
• Home Inspector
• Interior Decorator
• Writer
• Notary Public
• Personal Trainer
• Small Engine Repair
• Upholstering
• Wedding Planner
• Graphic Designer
• Massage Therapist
• Landscaper
• Photographer
• Christmas Tree Sales

 
If you have a home based business that fits any of these descriptions, or if you run a business that you think would be eligible, don't hesitate to call us today at 440.233.6199! We can help you take the guess work out of your risk management planning and strategy, we have years of experience serving home based business owners!