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Finding the Right Coverage for Your Cleveland Food Truck

8/21/2020

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Finding the Right Coverage for Your Cleveland Food Truck
Food trucks are something special. The feeling of standing in line, the tantalizing scent emanating from the truck, the satisfaction of tasting the food as you stand outside; the experience is unparalleled. You give your customers that fun, delicious experience, and they appreciate it more than you will probably ever know. Let’s focus on something you do know: the world is unpredictable and you want your business to be able to succeed regardless of what comes your way down the road. How can you safeguard your Cleveland food truck from the unexpected? Having a good Ohio food truck insurance policy plays a vital role.

Things happen. Maybe it will be a property damage issue that arises when you least expect it or maybe it will be a bodily injury situation that pops up at an inopportune moment, but at some point you will likely find yourself dealing with an issue. That’s just part of life. That is why insuring your food truck with the right Ohio food truck insurance policy is a must. Your food truck should be safeguarded from any unexpected issues that can come up, and having sufficient Cleveland insurance coverage is an invaluable part of taking care of the business you have poured so much time and energy into.  

Insuring Your Food Truck With the Right Insurance Coverage For Your Situation
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Being armed against disaster is important. Having an insurance policy that has your back when mishaps arise is an invaluable thing, and you should have an idea of what protection your food truck needs:

  • Liability insurance coverage is, of course, indispensable. Even though a food truck has less going on than your typical restaurant would, you cannot afford to have insufficient coverage for liability issues. One mishap can drain your resources, which is never pleasant, so have the coverage that can help you take care of any lawsuits or other issues. 

  • Another important part of good Ohio food truck insurance is bodily injury coverage, which takes care of injury issues that can arise from accidents on or with your food truck. While hopefully no one ever gets hurt, you cannot foresee every eventuality, so having ample coverage at the ready can be a game-changer for everyone involved. 

  • Coverage for physical damage is also highly beneficial for you as a food truck business owner. This facet of Ohio food truck insurance can help you cover the costs of repairing or replacing your food truck if it sustains significant damage. Your food truck without the truck is just "food" - but fortunately the right physical damage coverage can help you keep your food truck functioning with excellence. 

  • Finished products and services coverage can help you handle situations that stem from the food that you sell. You and your employees exercise caution and care, but sometimes mishaps occur anyway. Protecting yourself and your business by having the finished products and services coverage you need is an asset to your business - and it can help you have some peace of mind as you serve the customers you love.  

Your business is something worth taking excellent care of - and the food and experiences you bring to the Cleveland area are unique and a colorful part of the region. Setting yourself up for long-term success is not only the responsible thing to do, it also allows you to enjoy your food truck business without having to constantly worry about the unknowns - and that is no small thing. 

Protecting Your Food Truck With the Right Ohio Insurance Coverage 
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Don’t forget that you can talk with your Cobos insurance agent about your business’ specific features and your unique insurance needs. You are not alone when it comes to finding the best coverage fit for your business, and while finding the right coverage can feel like a daunting task, it doesn't have to be when you have the right expertise to draw from. 

Here at Cobos Insurance, we know that you take great pride in your food truck business and we would love to help you get the insurance protection your business deserves. There is no time to waste when it comes to safeguarding your food truck so that it can thrive in uncertain waters.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 and we can help you find the insurance policy that meets your needs in Cleveland, Ohio. 
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What You Need to Know About Used Car Dealership Insurance In Avon Lake

7/2/2020

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What You Need to Know About Used Car Dealership Insurance In Avon Lake
What do you, as a used car dealership owner, need to know about used car dealership insurance in Avon Lake? Well, you need to know that the right insurance protection for your business is invaluable and that you deserve to have the insurance coverage that meets your unique needs. You need to know that the right policy is within your reach - and you need to know what good coverage can do for your business. 

Your business needs to have ample protection to help it handle the unexpected. When you have the right used car dealership coverage for your situation, you can spend more time growing your business and less time worrying about your used car dealership. You want coverage that can help you deal with issues ranging from liability situations to coverage for your inventory. You want to be prepared for whatever comes your way, and having ample coverage for your business is a must. 
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The Right Coverage For Your Avon Lake Used Car Dealership 
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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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The Right Policy For Your Used Car Dealership
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Make sure that you talk with your insurance agent about your used car dealership's insurance needs. You want the best insurance fit for your business - and no two used car dealerships are the same. Don't wait for an issue to arise before wondering whether or not you have the right insurance policies in place to help you protect your business' future. Here's the bottom line: your business deserves nothing less than the right fit for your situation - don't doubt that for a second.

Here at Cobos Insurance, we believe that you should be able to set your business up for sustainable success and that having the right insurance coverage for your used car dealership is a non-negotiable. 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 and we can help you find the insurance coverage your used car dealership needs in order to thrive for years to come. Being prepared can save you a lot of trouble down the road, which is why now is the time to get the Avon Lake insurance coverage your business deserves. 
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What You Need to Know About Insuring Your Used Car Dealership In Cleveland, Ohio

5/29/2020

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What You Need to Know About Insuring Your Used Car Dealership In Cleveland, Ohio
When it comes to setting up your Cleveland used car dealership to flourish for years to come, the right insurance protection plays a significant role. Your used car dealership, like any business, will face some unexpected circumstances at some point in the future - but that doesn't have to stop you from making your dealership the successful Cleveland business you dreamed it would be.

The fact of the matter is, your Ohio used car dealership deserves the best. There are many issues that can arise down the road, but that shouldn't stop you from making your business a thriving success. Having the right insurance coverage at the ready can help you handle any mishaps and disasters that come your business' way -  and that can make a significant and very beneficial difference in the way that you handle the unexpected. 

Insurance Protection Your Used Car Dealership Needs In Cleveland, Ohio 

Here’s the thing: you cannot predict the future. In every walk of life and every business, there are unexpected issues that you have to deal with. That's why having the right protection is invaluable - don't wait for an issue to come up when you can be prepared to handle whatever comes your business' way. Safeguard your used car dealership with the coverage that can take care of your needs.

Dealers open lot coverage takes care of physical damage issues, and if a collision happens with one of your vehicles. This includes comprehensive coverage as well, which covers storm damage, nature-caused havoc, and theft. Dealers open lot coverage can help you handle a variety of issues, and your business deserves the best coverage fit for its unique needs. Garage liability coverage takes care of liability issues involving your used car dealership's garage. Maintenance catastrophes can be costly, and having ample protection to help you deal with such issues can be highly beneficial.
 
Optional inventory coverage offers you protection for physical loss or damage wreaked by outside entities. You need to ensure that your business has the protection you need when the unexpected happens, and good coverage for physical loss and damage is vital. False pretense coverage safeguards your business in a crucial way as well - if an individual who is using another name test drives one of your vehicles and drives away with it, this coverage can help you cover that cost. You don’t want to be caught off guard by such a situation, and good Ohio false pretense coverage is an invaluable facet of your Cleveland used car dealership coverage. 
 
Last but certainly not least, auto liability coverage is a crucial part of safeguarding your business. Should an accident occur with one of your vehicles, you want to have the right coverage to help you handle the situation. Should legal issues arise, you want ample protection to safeguard your business from messy lawsuits. When you are prepared for the unexpected, you can better deal with the issues at hand and move forward.

Finding the Coverage That Can Help Safeguard Your Cleveland Business 

When it comes to ensuring your Cleveland used car dealership effectively, you want only the best coverage for your business. You want the coverage that properly protects your used car dealership, which is why it is so important to discuss your unique business' needs with your Cobos insurance agent.  You don't have to navigate finding the right policy on your own when you can have a knowledgeable insurance agent who can guide you through the process. With the right insurance protection in place, you can be ready to deal with whatever comes your way.
 
Why should you waste time and energy searching for the best fit on your own? Here at Cobos Insurance, we believe that your used car dealership deserves the best policy for your situation. 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 we can help you find the coverage you need in order to give your used car dealership the protection it needs in order to thrive for years to come.  You deserve the best when it comes to protecting your business from the unexpected - and we encourage you not to settle for less than the right fit for your Cleveland used car dealership.
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Ohio Used Car Dealership Insurance: What You Need to Know

5/23/2020

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Having the right insurance protection for your used car dealership is an invaluable part of setting your business up for long term-success, and knowing how to safeguard your business in the face of the unexpected is a vital aspect of taking care of your Ohio used car dealership. The fact is, as with any business, you may encounter some bumps in the road - but that doesn't have to stop you from having a thriving business that can weather the ups and downs that come its way.

A business like yours has several moving parts, as you know -  and being prepared for the unexpected is crucial.  You cannot stop mishaps and disasters from happening, but you can be certain that you are not caught off guard and your business does not have to suffer in the long run from those unforeseen issues. It is important to know what you look for in a good Ohio used car dealership insurance policy, and you want to have the best fit for your business.

The Right Insurance Coverage For Your Used Car Dealership

There is every reason to insure your Ohio used car dealership properly, and knowing what makes a good used car dealership insurance policy is a necessity. Don't settle for a policy that's "good enough" when you can have the right insurance fit for your business. There are many invaluable coverages when it comes to safeguarding your used car dealership, and one important facet is auto liability coverage, which protects your business from the financial devastation that auto liability damage can incur. Liability situations can be unpleasant, messy things, so having ample coverage for such issues is a non-negotiable. If an accident involving one of your vehicles were to happen, you want sufficient protection to be in place.

Your business needs dealers open lot protection, which covers physical damage protection should a collision occur with your business’ vehicle. It also includes comprehensive coverage, which safeguards from issues like storm damage (and other nature-caused catastrophes) and theft. Dealers open lot coverage is an invaluable aspect of protecting your used car dealership, so don’t push it onto the backburner. Garage liability coverage is a huge part of protecting your Ohio used car dealership as well, as it covers liability issues that could arise from maintenance mishaps involving your business' garage. 
 
Optional inventory coverage takes care of physical loss or damage caused by outside sources. You cannot control everything, so having the right protection in place is an important part of being prepared for whatever comes your dealership’s way. False pretense coverage covers the loss of a vehicle in a scamming situation. If a customer uses another name to test drive a vehicle and drives away with it, this coverage takes care of that loss to your business. The fact is, the unexpected is a part of life. The best way to ensure that you have a business that can handle ups and downs is to be well-prepared to handle any eventuality. 

Finding the Right Policy For Your Ohio Business

You have worked too hard and too long to let a disaster destroy all that you've built, and the right coverage can be a game-changer for you and everyone involved with your used car dealership. Remember, you are not alone in the search for the right insurance fit for your situation. Talk with your insurance agent about any questions you may have about the best coverage to protect your used car dealership in Ohio. You should have the protection that meets your business’ needs, and you should not have to worry that you have insufficient coverage. You deserve to have the means to face the issues and obstacles that come your used car dealership’s way, and the right policy can help you with that. 

At Cobos Insurance, we know how important your used car dealership is to you and everyone involved with the business, and we would love to help you find the insurance coverage you need in order to set up your Ohio used car dealership for long term-success. 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 we can help you safeguard your business with the right insurance coverage for your unique Ohio used car dealership. You deserve the right policy for your situation, and we encourage you not to settle for less. 
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Safeguarding Your Cleveland Food Truck With Ohio Insurance Coverage

3/27/2020

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Safeguarding Your Cleveland Food Truck With Ohio Insurance Coverage
A food truck is more than just a place to grab a bite to eat. Eating food from a good Cleveland food truck is both fun and delicious, and as an owner of an Ohio food truck, you take pride in not only providing great food but also a great experience for your customers.  While you have put much thought and care into setting your food truck up for long term success, you cannot foresee every eventuality - which is why having the right Cleveland food truck insurance is an invaluable part of taking care of your business.

Having a good Ohio food truck insurance policy to help you take care of any mishaps or disasters that could arise is a must. Should an accident or other issue come up, you don't want to have to deal with the expenses without excellent coverage to help you through. While you cannot know what tomorrow will bring, you can be certain that you have put the right insurance protection in place to help safeguard your food truck down the road. You shouldn't have to wonder whether or not you have the appropriate coverage for your situation, and the peace of mind that comes with being prepared is something you shouldn't have to do without. 

Coverage That Meets Your Food Truck's Needs

You want to be prepared for whatever comes your way while being able to enjoy the business you've worked so hard to make a thriving success. Here are some important facets of a good Ohio food truck insurance policy.

It is important that you have the liability insurance coverage you need in order to properly safeguard your business. Should someone be injured on your Ohio food truck, you could find yourself being sued for the injury that occured on your food truck. The fact is, you should not have to deal with lawsuits without the right Ohio food truck insurance to help you handle issues of a legal nature. Bodily injury coverage offers you the protection you need should someone be injured in an accident involving your food truck. The fact is, accidents can arise when you least expect them to, and as a business owner, you need to be prepared for any eventuality. Medical expenses can be sky high, and you don't want to have to drain your business' finances in order to cover such a scenario. 

Another important aspect of a Cleveland food truck insurance policy is property damage coverage. This coverage helps you to repair or replace your truck should it undergo damage or be destroyed. A food truck business cannot exist without the actual truck, so having the means to take care of any destruction or damage done to your Ohio food truck is crucial. Don’t leave your business' well being up to chance and circumstances. Instead, be prepared to handle whatever comes your food truck’s way - it can make a huge difference for your business down the road. Coverage for finished products and services is another vital coverage when it comes to safeguarding your Cleveland food truck. This coverage helps you take care of any issues arising from the food that you sell. While you handle the food you sell with the utmost care, you cannot prevent every mistake from happening. Having the right insurance to help you deal with a situation with your finished goods and services can save you a lot of headaches and trouble later on.

Taking Care of Your Cleveland Food Truck With the Right Ohio Insurance Coverage

You have put far too much work into your food truck to not have ample insurance protection to help you through the ups and downs life brings.  Talk with your Cobos insurance agent about any questions you may have about your specific coverage needs. You don't have to figure out the ins and outs of food truck insurance on your own when you have an agent with expertise - and you deserve to have the help you need to keep your business strong.

If something comes up down the road, you want to be armed with the right insurance fit for your food truck. Here at Cobos Insurance, we want to help you find the Cleveland food truck insurance that meets your needs. 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 get the Ohio insurance protection your food truck deserves.
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Having the Right Directors and Officers Coverage in Avon Lake, Ohio

1/29/2020

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Directors and Officers Insurance
If you happen to run a non-profit board, you might be searching for the right directors and officers insurance coverage to protect your board in Avon Lake. Your directors and officers are a vital part of your non-profit, and it is important that the right insurance protection is in place to safeguard them from the unexpected. When your non-profit is prepared to deal with whatever issues come its way, it is set up for success. 

It is important to insure your non-profit with directors and officers coverage, since they play such a crucial role in the organization. The fact is, unexpected issues can come up when you least expect them to, and it’s no exception when it comes to your directors and officers. Something to take into consideration is that “directors and officers” insurance coverage can extend to senior management or senior consultants - the Ohio insurance protection isn’t limited to those with the official title of director or officer. You have to have the insurance policy to take care of the unknowns that surface at the most inopportune times. 

Coverage That Protects Your Avon Lake Directors and Officers

Good Ohio directors and officers coverage helps to safeguard your management, officers, and directors. They will be relieved that there’s an ample layer of protection in place to safeguard them, and you can rest a little easier knowing that they are protected under your directors and officers insurance coverage. 

This insurance coverage can help handle criminal investigation issues, which is no small thing. While no one wants to think that legal issues could come with an Avon Lake non-profit, issues do arise from time to time, and should a criminal investigation come up at any time in the future, you need to have the right insurance policy to help your directors and officers deal with it. Regardless of what the future brings, having excellent coverage in place for your directors and officers can provide them with the peace of mind they deserve. 

Safeguarding Your Non-Profit From Directors and Officers Liability

Your Ohio non-profit wouldn’t be able to have the outreach it has without your directors and officers, and they are an amazing and vital part of the organization. Safeguarding them is an invaluable thing, but so is protecting the organization from unexpected issues. Having the appropriate insurance protection is a key part of protecting not only your directors and officers but also your non-profit.

Those on your  Ohio non-profit board desire to make a positive impact on the world - and specifically Avon Lake, Ohio - but that doesn’t mean that mistakes will never be made or that you can account for every possible variable. No matter how careful you are, there can be conflicts of interest or unaccounted for actions that can give the organization a bad name. However, if something does come up, remember that your non-profit is not the first to deal with such issues and it won’t be the last. In fact, that’s why you have insurance coverage to safeguard your organization in the first place - so that should a bump in the road come up, you can deal with it and move on.

Setting Up Your Avon Lake Non-Profit For Success

Remember, your Cobos insurance agent would love to help you understand your organization’s coverage needs. While finding the right insurance fit can be an intimidating process, you don’t have to face it alone, so feel free to ask your agent any questions you may have. You want your non-profit to have an impact on the Avon Lake area for years down the road, and having coverage that works best for your situation is an invaluable part of taking care of your non-profit.

Here at Cobos Insurance, we understand that running an Avon Lake non-profit takes vision, perseverance, and commitment, and we want you to have the tools you need in order to succeed both now and for years to come. 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 we can help you find the insurance protection you need to safeguard your Ohio non-profit’s directors and officers as well as the organization itself. Having the right insurance policy can make a huge difference for everyone involved, so today is the day to get the coverage your Avon Lake non-profit needs.

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Ohio Business Insurance in Cleveland: Coverage That Fits Your Situation

12/5/2019

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Ohio Business Insurance in Cleveland: Coverage That Fits Your Situation
No matter what area of business you are in, it is important that you have the coverage you need to protect it properly. Whether you are in the trucking business or are in the beauty industry, your Cleveland establishment deserves the right insurance policy to safeguard it from the unexpected - and having the Ohio business insurance policy that fits your situation is an invaluable part of taking care of the business that you have worked so hard to build. 

The fact is, the unexpected can knock your legs out from under you if you do not have the right insurance policy, one that takes every eventuality into consideration. Your Cleveland business should be protected on all sides so that you can grow and expand your business without the constant fear of disaster, and when it comes to something as important as your business, you shouldn’t have to take chances. Fortunately, with the right coverage, you can give your company the protection it needs in order to thrive for years to come. 

Coverage That Can Help Protect Your Cleveland Business

No matter how successful your business is, you cannot afford to risk it by not having the right insurance coverage.  There is no reason to allow your business to be set back long-term by an unfortunate circumstance when you can have the Ohio insurance policy that can help you make your business the best it can be. Knowing what your business’ insurance needs are is vital, and being prepared ensures that you won’t have to be caught off guard by a mishap.

So what do you need in your policy in order to give your business the protection it requires? There are many important aspects of commercial property insurance that make it a vital part of protecting your business. There is every reason to make sure that your property is well safeguarded - it is too valuable to do otherwise. Having the right general liability insurance in your Ohio business insurance policy is vital as well, because if an injury occurs on your property, you don’t want to find yourself in a lawsuit without the insurance protection that can help you deal with the situation. There are many different liability issues that can surface, but with the right policy, your Cleveland business doesn’t have to be unduly vulnerable to them. 

Another crucial aspect of  protecting your business is having good Ohio workers’ compensation coverage. Whether you have dozens of employees or just a few, you want them to be well taken care of and to have the coverage that can help give them peace of mind. They will appreciate knowing that you care enough to ensure that they have the workers’ compensation they need, and your business gets the protection you deserve. Depending on the nature of your business, you may not have given much thought to the importance of commercial auto coverage, but it is a valuable asset for you as a business owner. Whether you have a company car for making regular deliveries or you simply have employees who need to run an errand or two for the business, you want to have the right coverage to safeguard you and the company. 

Finding the Insurance Protection That Meets Your Business’ Needs

Your business is an important part of your life and the lives of those involved - employees, partons, and suppliers alike. It isn’t something you treat lightly, so ensuring that your business has the right coverage is vital. Talk to your independent insurance agent about your specific needs in Cleveland, Ohio. You should not have to settle for less than the right protection for your situation, and your agent can help you find the best fit for you. 

You have put so much time and energy into your day-to-day operations as well as into your business’ big picture, and you want to give your company the best protection you can. Here at Cobos Insurance, we believe that your business matters and that you should never be alone when it comes to safeguarding your company. 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 you need to protect your business in Cleveland, Ohio.
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Cleveland Food Trucks.... Who,What, Where!

8/8/2019

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Cleveland Food Trucks.... Who,What, Where!
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.
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Home Based Business Insurance

7/30/2019

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  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!
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What You Need to Know About Ohio Food Truck Insurance

6/27/2019

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What You Need to Know About Ohio Food Truck Insurance
There’s something special about a food truck. There’s a charm that never wears out when you stand in line to order at one - and as an owner of an Ohio food truck, you have the ability to give that experience to your customers. You take that task seriously, and it shows: your food truck is more than a source of income - it’s a passion of yours, and something that is worth properly safeguarding.

Having the right Ohio food truck insurance coverage to help deal with any unexpected mishaps is a crucial part of taking care of your business. When it comes to protecting your food truck, there is every reason to take steps to safeguard it. Should an accident or other issue come up, you will be glad you were proactive and insured your truck with the right coverage fit! You want to enjoy your food truck, and it is easier when you know you can handle whatever comes.

It is important to know some of the different facets of good Ohio food truck insurance, so that you can know what you need to keep in mind when insuring your business. After all, being prepared is the best way to go. 

Liability Insurance Coverage

Liability insurance is incredibly important for your food truck. If someone is injured on your truck, you could be in for thousands of dollars of expenses if you are sued and don’t have the insurance protection to take care of the situation. The fact is, accidents happen even when you exert the utmost care, and not having ample coverage can be detrimental to your finances - and your peace of mind. It is important to be ready to handle whatever comes along down the road, and having the right Ohio food truck insurance is an important facet of being prepared.

Bodily Injury Coverage

Should someone be injured in an accident involving your food truck, you need to have the right insurance coverage to protect you from the steep medical expenses. Medical costs can build up really fast, and why should you expose yourself to the issues that arise from insufficient coverage? The right Ohio food truck coverage can take care of those issues should they arise, and you can breathe a little easier knowing you can move forward should that happen. 

Property Damage Coverage

Property damage coverage covers your truck if is damaged or destroyed. There is no “food truck” without the “truck,” so making sure you have excellent property damage coverage is important. You don’t want to ever find yourself without the means to repair your damaged food truck - after all, it is the cornerstone of your business, and that is not a situation you want to have to face alone. Fortunately, with the right coverage for your food truck, you can have the support you deserve so that you can get back on your feet.

Coverage For Finished Products and Services 
Finished products and services coverage helps protect you should any issues with the food that you design, create, or sell come up. If problems surface, it can be detrimental for you without ample insurance protection. The fact is, mishaps happen to the best of us, so having a good food truck insurance policy to take care of such scenarios can be invaluable. You don’t want to risk being unprepared, and there is no reason to let yourself be caught off guard.

Protecting Your Food Truck With the Right Insurance Coverage

Your Ohio food truck is something that you have poured time and energy into - something you take pride in, as well you should. You have put far too much work into your food truck to let a mishap put a lasting halt - or even destroy - what you have built. Since accidents and issues can come up even when you do your best to prevent them, it is crucial to have the coverage to have your back when you face bumps in the road.

Should something happen, you want to have the protection your business deserves, and here at Cobos Insurance, we would love to help you find the right policy for your situation. Call us at our Avon Lake office at 440-933-5223 or at our Elyria office at 440-324-3732; you can contact us today and we can talk about finding you the right insurance coverage to protect your Ohio food truck. 

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