Gallina and Sons serve many Pittsburgh, PA businesses with the commercial insurance they need to protect their financial security. Many companies choose to purchase a business owners policy (BOP), a policy bundle that provides the four most common types of commercial insurance at a reduced premium. Is a BOP right for your business?

BOPs: Designed for Small and Mid-Sized Businesses

The insurance industry designed business owners’ policies to serve small and mid-sized businesses with the insurance policies they most often need. In some cases, the four policies in a BOP may provide all the coverage a business needs. It also works as a foundational policy, so businesses can add other coverage as needed.

Large businesses and corporations don’t qualify for a BOP. Your business won’t be eligible if your company employs more than 100 individuals or generates more than $5 million in revenue. Some underwriters cap revenue at $1 million.

Commercial Insurance Provided in a BOP

Although you refer to the BOP as a single policy, it contains many forms of insurance. If you purchased each policy within a BOP, you’d pay a separate premium for each. By choosing the BOP option, if your business qualifies for it, you obtain the following four insurance policies for a reduced premium:

• Business interruption
• Liability
• Peril
• Property damage.

If needed, you can add other policies to the BOP, such as workers’ compensation, when you purchase it initially or later.

Contact Gallina and Sons Today about a BOP

Contact Gallina and Sons today to determine if your Pittsburgh, PA, business qualifies for this nifty policy. Let us help you determine what other policies you might need to add to a BOP to protect your business entirely.

Choosing commercial insurance coverage options requires you to make important decisions about the risks and responsibilities your company faces. At Gallina and Sons, we provide commercial insurance to business owners who are located in Pittsburgh, PA.

You need to avoid mistakes when selecting a commercial insurance policy that could financially put your company at risk. Here are three mistakes to avoid when you choose a commercial insurance policy. 

Neglecting to purchase types of commercial insurance that you need

There are many different types of commercial insurance coverage, like workers’ compensation, general liability, and errors and omissions coverage. 

You need to learn these types of insurance and determine which ones you need for your company. 

Thinking that you don’t need much general liability coverage

Some business owners don’t purchase as much general liability coverage as they should because they assume they won’t get sued. However, liability expenses can come up for any company. It’s always better to be safe than sorry when choosing your policy’s general liability coverage limits. 

Failing to read the fine print so that you know exactly what you’re getting

Too many business owners don’t know exactly what coverage their policy includes because they don’t read the fine print.

Carefully research the details of your policy to make sure that you know what you’re getting. If you have any questions, make sure that you ask a representative from your insurance company so that you fully understand the coverage that you’re investing in. 

Are you in need of commercial insurance in Pittsburgh, PA? We’re here to come to your assistance at Gallina and Sons. We can offer you a quote on an insurance policy that will meet your company’s unique needs. Get in touch with us to learn more!

If you’re a resident of a condo association in Pittsburgh, PA, you may be wondering what is covered under your condo association’s insurance policy. After all, it’s important to know what is and isn’t protected in case of an emergency or disaster. Gallina and Sons look at what types of coverage condo association insurance provides and how it applies to the interior and exterior of buildings. 

What Does Condo Association Insurance Cover? 

The first thing to understand about condo association insurance is that it covers the common areas—such as hallways, lobbies, and elevators—and any recreational facilities the association provides. This coverage also includes liability for any injuries that occur in these areas and damage caused by events such as fires or storms. Additionally, some policies provide coverage for theft or vandalism of shared property owned by the association. 

Does It Cover the Interior or Exterior of Buildings? 

The second thing to know is that while condo association insurance covers common areas and facilities, it does not cover individual units within the building or their contents. That means if there is an issue with one unit (such as a leaky roof), it’s up to the owner of that particular unit to purchase additional insurance if they want extra protection. Similarly, if something were to happen outside the building (such as damage from a hurricane), it would be up to the individual owners to purchase additional property insurance for their units if they want extra protection from potential disasters. 

If you still have questions about a condo in Pittsburgh, PA, contact Gallina and Sons. One of our agents will be happy to answer all your questions.

Are you a business owner in Pittsburgh, PA? Does commercial insurance protect your business? Gallina and Sons can provide the commercial insurance your business needs to ensure its security.

The most critical aspect of a business operation is the protection of its assets. Being adequately prepared is very often the difference between sudden financial loss and the ability to stay up and running. A commercial insurance policy is the best investment you can make for your business.

There are many types of commercial insurance. The most common are:

• Business owners’ policy or BOP
• Commercial auto insurance
• Compensation insurance for employees
• Cyber liability insurance
• General liability insurance
• Professional liability insurance

Commercial insurance is typically a one-year contract between an insurance company and a business owner. The insurance company assumes responsibility for a business’ liabilities in exchange for an insurance premium. The amount of money paid is determined based on the amount of property the business has, potential liabilities to which the business could be exposed, and the number of employees.

Business contracts often require a business to have a commercial insurance policy. Landlords, partners, or vendors can impose this requirement. Most policies will have a limit, which is a predetermined amount of money the policy will cover in the event of a loss.

Most insurers also have a per-claim limit as well. In addition, most companies will have a per-policy limit as well. There is usually a $1 million policy limit and smaller limits for each claim filed.

If you have an employee that becomes ill or injured on the job, workers’ compensation insurance will help them with medical costs, lost wages, and provide funeral expenses if necessary.

Don’t let your livelihood go unprotected. A commercial insurance policy will provide peace of mind as you continue to grow your business. Contact Gallina and Sons today for a no-obligation quote.

Are you a business owner in Pittsburgh, PA? Does commercial insurance protect your business? Gallina and Sons can provide the commercial insurance your business needs to ensure its security.

The most critical aspect of a business operation is the protection of its assets. Being adequately prepared is very often the difference between sudden financial loss and the ability to stay up and running. A commercial insurance policy is the best investment you can make for your business.

There are many types of commercial insurance. The most common are:

• Business owners’ policy or BOP
• Commercial auto insurance
• Compensation insurance for employees
• Cyber liability insurance
• General liability insurance
• Professional liability insurance

Commercial insurance is typically a one-year contract between an insurance company and a business owner. The insurance company assumes responsibility for a business’ liabilities in exchange for an insurance premium. The amount of money paid is determined based on the amount of property the business has, potential liabilities to which the business could be exposed, and the number of employees.

Business contracts often require a business to have a commercial insurance policy. Landlords, partners, or vendors can impose this requirement. Most policies will have a limit, which is a predetermined amount of money the policy will cover in the event of a loss.

Most insurers also have a per-claim limit as well. In addition, most companies will have a per-policy limit as well. There is usually a $1 million policy limit and smaller limits for each claim filed.

If you have an employee that becomes ill or injured on the job, workers’ compensation insurance will help them with medical costs, lost wages, and provide funeral expenses if necessary.

Don’t let your livelihood go unprotected. A commercial insurance policy will provide peace of mind as you continue to grow your business. Contact Gallina and Sons today for a no-obligation quote.

If you are a business owner in the greater Pittsburgh, PA area and have questions about commercial insurance, the team at Gallina and Sons is here to help. We can help you find the right policy for your company’s unique needs. Call our office today and set up a consultation.  

Benefits of comprehensive commercial insurance policies

One of the main benefits of a comprehensive commercial policy is that it can provide additional features than a primary policy. These features can include protection for business interruption, key person coverage, and a higher level of liability protection. Many Pittsburgh business owners find that as their business grows, the primary policy they started with no longer fits their needs.

Upgrading to a more comprehensive policy is often the right move to make. Additional protection for a growing business provides the coverage necessary to keep a thriving business on the right track. If a loss occurs, having a comprehensive policy in place can significantly affect how quickly the company can bounce back.

No one wants an unforeseen catastrophe to occur and render their business inoperable for a substantial period. With a robust policy in place, it could be much less stressful to recover from an incident that takes a company offline. Now is a great time to ensure that your policy has the protection you need. 

We look forward to working with you!

The Gallina and Sons team is proud to serve the greater Pittsburgh, PA area’s business community with their commercial insurance needs. If you have questions about your current commercial policy or are getting ready to launch a business, we are here to help. Contact our office today to schedule a consultation. 

Although most insurance companies strive to provide their clients with top-class services, complaints from dissatisfied customers are inevitable. At Gallina and Sons, we have set up elaborate structures to address complaints from our clients and provide satisfactory solutions comprehensively. However, many businesses don’t know what to do if they have a problem with their commercial insurers. As a business in Pittsburgh, PA, here is what to do.

Contact Your Insurance Agent

If you have a complaint against your commercial insurer, the first thing you should do as an enterprise is contact your insurance agent. Thanks to the insurance agent’s experience and the relationship they have built with your insurer, they can be able to resolve the problem without much difficulty. When contacting your agent, make sure you provide them with accurate information about your problem. This will ensure they have an easier time resolving it with your insurer.

Reach Out to an Executive at the Insurance Company

If the insurance agent route isn’t producing the expected results, you should reach out to an executive at the insurance company. Since you run a business, you already know that upper management can provide solutions to problems that junior staff can’t handle. Remember that you will have to book an appointment with the executive you want to see. It’s also okay to seek an audience with more than one executive at the insurance company.

Contact the State’s Insurance Ombudsman

The Pennsylvania Department of Insurance has an ombudsman’s office tasked with ensuring that issues between insurers and their clients are resolved amicably. The ombudsman office is an unbiased third party, and you can trust them to try to figure out a fair resolution to your problem.

Are you searching for the best commercial insurance deal in Pittsburgh, PA? Welcome to Gallina and Sons; our insurance experts are ready to help you.

Every business faces unique risks. Commercial insurance comes to your rescue when faced with different risks, from employee injuries, liability claims to errors in professional services. But how much insurance do you need? The reality is that there is no definite answer to help you determine the amount of commercial insurance sufficient for your business. However, as you will find from Gallina and Sons of Pittsburgh, PA, there are tips and tricks you can follow to see the amount of commercial insurance you need.

How much commercial insurance is sufficient for my business?

How much commercial insurance is adequate — not too low and not too much. It depends on the nature and size of your business. Here is a guide to help you determine the amount of business insurance needed:

• Property insurance: Before drawing the check, ask yourself. What’s the value of my business assets? Ideally, the amount of commercial insurance should be equivalent to the cost of replacing your assets. Also, bear in mind your lender’s requirements if your assets are mortgage financed.
• Worker’s comp insurance: The amount of worker’s comp insurance needed largely depends on the size of the workforce. The more employees, the higher the amount of coverage required.  
• Liability coverage: This is usually tricky. However, deciding the amount required starts by evaluating the risk profile of your business. But before investing in liability insurance, you should ensure that your workplace safety measures follow best practices to reduce the number of claims. Also, establish the existence of any state minimums — you shouldn’t stick to these. They just act as a foundation on which to build on your coverage.

Figuring the amount of insurance needed for a business needs the help of an experienced insurance agent. So if you are in Pittsburgh, PA and its environs, please partner with Gallina and Sons for all your commercial insurance needs.

Condo insurance is something that all condo owners need to protect themselves. This policy type will ensure that your investment doesn’t go up in smoke if disaster strikes. At Gallina and Sons, we can teach Pittsburgh, PA, about the different options available for their needs. Here’s what you need to know about these policies.

How Condo Insurance Protects You

Typically, your condo owner’s association possesses what is known as a master policy. This helps to cover things like the structure of the condo, the built-in fixtures, and much more. However, this policy does not cover your belongings, which is why an individual condo insurance policy is so important. 

These types of policies are known as HO-6 insurance and are designed to protect what you own. In a sense, they’re similar to a traditional homeowner’s insurance policy. However, they focus on condo owners and cover their unique needs. A good condo policy will pay for:

• Replacing personal belongings, such as your clothes or furniture 
• Liability situations, such as injuries to you, your family, or those inside your home 
• Addition Living Expenses (ALE) you might incur while waiting for condo repairs 
• Some types of perils, such as fires, extreme weather, and theft 

As you might expect, your condo policy may not cover things like earthquakes and floods. That said, you may find alternative coverage plans that do. These extra coverage options typically get added to your current policy and reflect a unique level of protection you can’t get otherwise. 

Coverage is Available for You 

At Gallina and Sons, we can set up policies for Pittsburgh, PA, residents that will help ensure a higher quality of life. Talk to us today to learn more about your options and learn more about the diverse coverage range available for you.

Gallina and Sons understand your small business is "big" to you.

That’s why the agency wants to help make sure your investment is protected. Serving, Pittsburgh PA, their agents explain what commercial insurance is and why it’s so critical for your growing business.

What is commercial insurance?

In short, commercial insurance protects your business. Also called business insurance, these plans protect companies, corporations, and entities against lawsuits, vandalism, theft, injury, damage, and other unexpected events. While at work, any employees are included as well. Commercial insurance minimizes risk and safeguards against potentially costly incidents.

What’s included in commercial insurance?

Although every plan is unique, most commercial insurance policies have similar features. Any coverage has premiums, which is the amount a business pays for the policy. Several factors influence this price, including work performed, amount of employees, and years of service. When you file a claim, you will also pay a deductible. These too can vary. Any plan will spell out limits, which cap payouts after a certain amount. This likely also contains other exclusions and restrictions.

What types of commercial insurance are available?

Any plan can be customized to fit your needs. However, standard commercial insurance policies cover three primary areas. Property insurance protects a physical location of a business and any equipment. This extends to tools, inventory, and office furniture. Liability coverage shields against bodily injury, slander, libel, and other damages. Lastly, income insurance reimburses your business if an incident causes any loss of revenue. A professional agent will be able to add additional options to meet your unique needs.

Contact an agent serving Pittsburgh, PA

Gallina and Sons can find the ideal commercial insurance policy to protect your business and its interests. Call to set up an appointment today.