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Commercial Insurance 101: Protecting Your Business and Employees

As a business owner, you have a lot on your plate. From managing finances to overseeing operations, there are countless responsibilities to handle. But one thing you should never overlook is protecting your business and employees with commercial insurance.

At Palacio Miller Agency, we understand that choosing the right insurance coverage can be overwhelming. That’s why we’ve put together this guide to help you understand the different types of commercial insurance and their benefits.

1. General Liability Insurance:

General liability insurance is essential for any business, regardless of its size or industry. This type of coverage protects your business from lawsuits due to property damage, bodily injury, or advertising injury. General liability insurance can cover legal fees, medical expenses, and settlements, allowing you to focus on running your business.

2. Workers’ Compensation:

Insurance Workers’ compensation insurance provides benefits to employees who are injured on the job. This type of coverage can help cover medical expenses, lost wages, and rehabilitation costs. By providing workers’ compensation insurance, you can show your employees that you care about their well-being and create a safer work environment.

3. Property Insurance:

Property insurance protects your business from damage or loss to your physical assets, such as buildings, equipment, and inventory. This type of coverage can also include business interruption insurance, which can help cover lost income due to unexpected events like fires, floods, or theft.

4. Professional Liability Insurance:

Professional liability insurance, also known as errors and omissions insurance, protects businesses that provide professional services from claims of negligence, errors, or omissions. This type of coverage can help cover legal fees, settlements, and other costs associated with lawsuits.

5. Commercial Auto Insurance:

If your business owns or operates any vehicles, commercial auto insurance is a must. This type of coverage can help cover damages or injuries caused by accidents involving your business’s vehicles. It can also provide protection for theft, vandalism, or other types of damage.

At Palacio Miller Agency, we understand that every business is unique. That’s why we offer customizable insurance packages to meet your specific needs. Our experienced agents can help you determine the right coverage for your business, so you can protect your investment and your employees.

Don’t wait until it’s too late to protect your business and employees. Contact Palacio Miller Agency today to learn more about our commercial insurance options.

What Information You Need to Keep Handy Before Filing an Insurance Claim

Filing an insurance claim can be a stressful and overwhelming process, especially if you’re not prepared. To help make the process easier and smoother, it’s important to keep certain information handy before filing a claim. In this blog post, we’ll discuss the information you should have on hand before filing an insurance claim.

  1. Policy Information: The first thing you should have on hand is your policy information, including your policy number, the name of your insurance company, and the name and contact information of your insurance agent. This information will help your insurance company quickly locate your policy and start the claims process.

2. Date and Time of the Incident: You should also have the date and time of the incident that led to your claim, whether it’s a car accident, a storm damage, or a theft. This information will help your insurance company determine if the incident is covered under your policy and when it occurred.

3. Details of the Incident: You should have a detailed description of the incident, including the location, the cause, and the extent of the damages or losses. For example, if you’re filing a car insurance claim, you should have the make and model of the vehicle, the names and contact information of any other drivers involved, and the details of the damages.

4. Police Report: If you’re filing a claim for theft, vandalism, or a car accident, you should have a police report documenting the incident. The police report will provide additional details about the incident and can help support your claim.

5. Photos and Documentation: You should also have photos and documentation of the damages or losses, such as receipts, invoices, or repair estimates. This information will help your insurance company assess the damages and determine the appropriate compensation.

6. Contact Information: Finally, you should have the contact information of any witnesses or parties involved in the incident. This information can help your insurance company gather additional details about the incident and support your claim.

In conclusion, filing an insurance claim can be a stressful experience, but being prepared can help make the process smoother and easier. By keeping the above information handy, you can help your insurance company quickly assess your claim and provide the appropriate compensation. If you have any questions about the claims process or need assistance filing a claim, contact your insurance agent or company for guidance and support.

What you need to do to insure your trailer

If you own a trailer, you know how useful it can be for hauling cargo, equipment, or even your recreational vehicles. But did you know that your trailer may not be covered by your auto insurance policy? That’s where trailer insurance comes in. In this blog post, we’ll discuss the importance of trailer insurance and what it covers

What is Trailer Insurance?

Trailer insurance, also known as trailer interchange insurance or non-owned trailer insurance, is a type of coverage that protects your trailer from damages, theft, or other losses. It can also provide liability coverage in case you’re involved in an accident while towing your trailer.

Why Do You Need Trailer Insurance?

There are several reasons why you should consider getting trailer insurance:

  1. Your Auto Insurance Policy May Not Cover Your Trailer: Some auto insurance policies may provide coverage for trailers, but often only for liability and collision damage to the trailer, not for damage or loss to the contents inside.
  2. Protect Your Investment: Trailers can be expensive, and the cost to repair or replace them can be high. With trailer insurance, you can protect your investment and avoid paying out of pocket for unexpected damages or losses.
  3. Liability Coverage: If you’re involved in an accident while towing your trailer, you could be held liable for damages or injuries to other drivers or property. Trailer insurance can provide liability coverage to protect you from costly lawsuits.

What Does Trailer Insurance Cover?

Trailer insurance can provide coverage for a variety of situations, including:

  1. Physical Damage: This coverage protects your trailer from damages caused by collision, theft, vandalism, or other covered perils.
  2. Contents Coverage: This coverage protects the contents of your trailer, such as equipment or cargo, from damage or loss.
  3. Liability Coverage: This coverage protects you from legal liability in case you’re involved in an accident while towing your trailer.
  4. Uninsured/Underinsured Motorist Coverage: This coverage protects you in case you’re involved in an accident with a driver who doesn’t have enough insurance to cover your damages.

In conclusion, if you own a trailer, you should consider getting trailer insurance to protect your investment and provide peace of mind. At our agency, we offer a variety of trailer insurance options to fit your needs and budget. Contact us today to learn more about how we can help you protect your trailer and ensure that you’re covered on the road.

5 Reasons Why Your Insurance Premiums May Have Increased and What You Can Do About It

Insurance premiums can go up for many reasons, even if you haven’t made any claims. Understanding why your premium has increased can be frustrating, but it’s important to know that insurance companies use a variety of factors to determine your rates. In this post, we’ll discuss some possible reasons why your insurance premiums may have increased.

  1. Changes in Risk Factors

Insurance premiums are based on the level of risk that the insurance company assumes when providing coverage. If your risk factors change, your premiums may increase. For example, if you’ve moved to a new neighborhood with a higher crime rate, your premiums may increase to reflect the increased risk of theft or vandalism.

  1. Changes in Coverage

If you’ve made changes to your coverage, such as adding additional coverage or increasing your limits, your premiums may increase. This is because more coverage typically means a higher premium. Additionally, if you’ve made changes to your deductible, your premium may be affected.

  1. Age and Driving History

Your age and driving history can also affect your premiums. Younger drivers, for example, are typically considered to be higher risk than older drivers, and may therefore have higher premiums. If you’ve had a recent accident or traffic violation, your premiums may increase as well.

  1. Inflation and Cost of Repairs

Inflation can also impact insurance premiums. As the cost of goods and services increase, insurance companies may need to increase their rates to keep up with the rising costs. Additionally, the cost of repairs can also impact premiums. If the cost of repairs increases, insurance companies may need to charge more to cover these costs.

  1. Industry-Wide Trends

Finally, industry-wide trends can impact insurance premiums. For example, if there are more accidents or claims in a particular area, insurance companies may need to increase their rates to compensate for the increased risk.

In conclusion, insurance premiums can increase for a variety of reasons, but it’s important to understand why your premiums may have changed. If you’re experiencing a premium increase, it may be a good idea to contact your insurance provider and ask for an explanation. Additionally, it’s always a good idea to review your policy regularly to ensure that you have the coverage you need at a price you can afford. At our agency, we’re here to help you navigate your insurance coverage and answer any questions you may have. If you have concerns about your insurance premiums or would like to review your policy, please don’t hesitate to give us a call. We’re always happy to help our customers and ensure that they have the right coverage for their needs.


  1. We are locally owned and operated!

  2. We provide coverage through multiple carriers!

  3. We can combine coverage to save you money!

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  5. You have 24-hour access to your policy info!


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