Commercial Auto Insurance: Navigating the Road to Coverage

Commercial auto insurance is a must if your business relies on vehicles for daily operations. Let Advantage Insurance Network, serving the greater Cincinnati, OH area, help you to understand this product better.

What Is Commercial Auto Insurance?

Commercial auto insurance is a policy designed for vehicles used primarily for business purposes. It covers a range of vehicles, from company cars and delivery vans to trucks and trailers.

Types of Coverage:

  • Liability Coverage: This is the core of commercial auto insurance, covering bodily injury and property damage your business is legally responsible for in an accident.

  • Collision Coverage: It covers repairs or replacement of your vehicle if it’s damaged in a collision with another vehicle or object.

  • Comprehensive Coverage: This covers non-collision incidents, such as theft, vandalism, or natural disasters.

  • Uninsured/Underinsured Motorist Coverage: Protects you if an uninsured or underinsured driver is at fault in an accident involving your business vehicle.

  • Medical Payments Coverage: Pays for medical expenses for you and your passengers, regardless of fault.

  • Cargo Coverage: If you transport goods, cargo coverage protects against damage or theft of the goods you’re carrying.

Why Is It Necessary?

Commercial auto insurance is necessary because personal auto insurance typically excludes coverage for vehicles used primarily for business purposes. Without the right coverage, your business could face significant financial losses in the event of an accident or vehicle damage.

Navigating the road to commercial auto insurance coverage can be complex, but protecting your business assets and operations is vital. If you want to purchase a new commercial auto insurance policy in the greater Cincinnati, OH region, the team at Advantage Insurance Network would love to help. Call us today for an estimate. 

Four Questions to Ask Your Agent When You Need Commercial Insurance

When you start a business, one of the factors you need to consider is a commercial insurance policy. But what do you need to know to be sure you’re getting the best policy for your company? If you’re in the Wheat Ridge, CO area, you can contact us at CO Insurance Specialist today and get all the information to help you make the best decision. Here are four of the questions you’ll want to ask your agent.

  1. What type of coverage should I have for my business?
  2. How often do I need to review or update my policy?
  3. How can an agent help me get the best coverage?
  4. What does a commercial policy protect?

The more you know about your coverage and what kinds of adjustments you might want to make, the more you can make knowledgeable decisions that will keep you, your business, and your customers safe. A commercial policy isn’t just for the structure if you own the building or the items inside if you’re renting. It also protects your customers from injuries and other factors of operating a business. You want to make sure you have enough protection. Contacting CO Insurance Specialist is the right way to get the coverage and support you need.

If you’re in the Wheat Ridge, CO area, we can help you find the right commercial insurance coverage. The exact type of policy and coverage levels you need will depend on several factors, and you don’t want to pick something without good information. That could lead to you having a policy that’s not right for your needs or goals, and we’re here to help you have proper coverage.

Does Contractor’s Insurance Provide Liability Coverage?

For our clients who are contractors at Advantage Insurance Network in Cincinnati, OH, we frequently get the question of whether contractor insurance provides liability coverage. Although each policy has different terms, most contractor’s insurance policies have similar benefits. This includes liability coverage in many cases, but we will discuss that in further detail in the article below.

What Is Contractor’s Insurance?

Simply put, contractor’s insurance is a type of insurance policy that tends to the specific needs that contractors may have from an insurance coverage perspective. If you own a construction business, contractor’s insurance is necessary for this industry. After all, you need to prepare for on-the-job injuries, litigation, and damage to the equipment that lets you run your business successfully.

Does the Contractor’s Insurance Provide Liability Coverage?

Every policy might have individualized terms and limits, but that doesn’t mean that you can’t generally expect similar terms to contractor’s insurance policies, no matter where you get your policy. Regarding liability, one of the main things that contractor’s insurance covers is lawsuits and related expenses.

When you have contractor’s insurance, you can rest assured that you will be covered if you are found to be at fault for an accident related to contracting. If this happens, you might be able to use your contractor’s insurance to cover injuries, damage, and more.

Naturally, it is always best to review the specific terms of your policy with a qualified insurance professional at our office so that you are clear about what is covered and what is not covered. 

To answer your questions about liability coverage in contractor’s insurance, our team at Advantage Insurance Network in Cincinnati, OH is only a phone call away, so give us a ring today!

Why should an Ohio company obtain commercial insurance?

The Cincinnati, OH area is a populated metro area that offers a lot of chances for a business to be successful. If you want to run a business here, having insurance is necessary. There are various good reasons to obtain this coverage in Ohio. 

Reduce Business Liability Risks

A critical reason any business has a proper commercial insurance plan is to reduce liability risks. Businesses today will take on many risks when selling a product or service. If the use of a product or service leads to an illness, injury, or other challenges, the business can be held liable. However, if they are insured, they will have proper support in place to mitigate the risk. 

Protect Assets

Businesses should also have this insurance to protect their assets. Any business will need to purchase assets to run a business. If you are not insured, you could hit a financial challenge if these assets are lost or damaged. With a commercial policy, you will have coverage against many risks that could cause a loss. 

Stay in Good Standing

Having commercial coverage is also necessary to ensure you stay in good standing. Most businesses will have insurance requirements and obligations. If you carry commercial coverage, you will comply with these requirements. This can help you avoid penalization or reputational damage. 

Businesses in the Cincinnati, OH area must ensure they get the right insurance. Since this is such an important decision, it would be wise to begin your search by calling the Advantage Insurance Network. The team with Advantage Insurance Network will give any guidance that is necessary to build a plan that will meet your needs and cover your organization.

Three types of coverage your restaurant and bar insurance policy should include

Restaurant and bar insurance is essential for the owner of a bar/restaurant establishment. If you are the owner of a bar and restaurant, numerous types of coverage should be included in your policy. 

At Advantage Insurance Network, we can provide you with any information you need about the restaurant and bar insurance coverage in Cincinnati, OH. The following are three types of coverage your restaurant and bar insurance policy should include. 

Liability coverage

Liability coverage is probably the most important type of coverage you need your restaurant and bar insurance policy to include. Liability coverage protects your company from financial damages resulting from lawsuits. 

Lawsuits are a substantial financial risk for restaurant and bar establishments since customers at restaurant operations can become injured. Liability coverage as part of your commercial insurance policy protects your company’s financial future. 

Property coverage

Restaurant and bar operations need to invest in a physical location. If the physical building out of which you’re doing business becomes damaged, your company will no longer be able to continue bringing in revenue. 

Property coverage can pay for repair costs if your facility becomes damaged. This type of coverage ensures that you’ll continue to have a physical location where you can do business. 

Workers’ compensation coverage

As a restaurant and bar owner, you inevitably need to have a staff of employees to serve your customers. Restaurant and bar employees could potentially become injured on the job, so you need to carry workers’ compensation coverage as part of your commercial insurance policy. 

We’re happy to assist you when you’re looking to meet your insurance needs as a restaurant/bar owner in Cincinnati, OH. Call or email us today at Advantage Insurance Network.

What comes with my contractors insurance plan in Ohio?

Becoming a contractor can be a great option and career path for those in the Cincinnati, OH area. When you are looking to become a contractor here, you will want to spend time assessing your insurance needs. One great type of coverage to get as a contractor is contractor’s insurance, which offers unique benefits and forms of coverage that can help support your business. 

Contractor Liability Mitigation

One type of coverage you will get when you have a contractor’s insurance plan is contractor liability risk mitigation. If you are a contractor, there is always a chance that you could make a mistake that will lead to a loss for another party. The contractor’s insurance plan will give you coverage and support against the claims if you are liable for damages. 

Protection for Assets

As a contractor, you must invest in various tools and assets to help compete for jobs and run your business. These assets will be necessary to be efficient and serve your clients. Due to this, having protection for your assets is quite important. When you have a contractor’s insurance plan, it will provide coverage if you incur a loss due to theft or damage to your assets. 

Getting an insurance plan for any business in the Cincinnati, OH area is a good idea. When you are looking for contractor insurance, it is smart to start by contacting the agents with Advantage Insurance Network. Many choices need to be made, and Advantage Insurance Network will give you the guidance and support you need. Our insurance professionals will help you evaluate your contracting business and offer great insight as you build a plan. 

Why a comprehensive commercial policy may be right for your OH business

If you own a business in the greater Cincinnati, OH metro area and need commercial insurance, give Advantage Insurance Network a call today.

Commercial insurance options available in our area

Owning a business is more than a full-time job. It takes a lot of very hard work and an extreme level of dedication. Building a successful business and keeping it running and growing over the years is no small task. It only makes sense to protect all of the hard work and financial investment that has gone into its success.

With a comprehensive policy, you can secure the protection your company needs. Every business’s insurance needs are different, but there are some basic similarities that many companies share. And, with a comprehensive commercial policy, you can make sure that your business has the protection it needs.

When you are choosing your policy, remember that over the years, your insurance needs and requirements will likely change. That is why we recommend that all of our commercial clients closely and carefully review their policies at least once a year. When it comes to commercial coverage, you will want to examine all of the available options to ensure that you have the right protection. 

Creating a robust insurance portfolio can help you to keep all of your hard work protected. Let us help you make sure that your commercial policy provides the protection your company needs. We are here for you!

Think of us as your commercial insurance partners!

Cincinnati, OH business owners can rely on Advantage Insurance Network for all of their commercial insurance needs. If you are looking for an insurance network that can help you protect your business, give us a call today. We look forward to working with you!

Ohio Commercial Insurance: Most Common Workers Comp Claims in Ohio

Millions of dollars are paid out in workers’ compensation claims every year through commercial insurance policies. In Ohio, workers’ compensation claims are frequent as the labor force manages a lot of physical labor. 

At Advantage Insurance Network, we help Cincinnati, OH business owners get the workers’ compensation insurance they need so that their employees are protected from financial losses in the event of an accident at work.

These are the most common workers’ comp claims in Ohio that we see.


Strains such as a repetitive strain injury or an injury after lifting or moving an object are the most common workers’ compensation claims. This is an injury that occurs when a muscle or tendon is stretched beyond its limit. Some experts say that strains account for as much as 30 percent of workers’ compensation claims. Strains can prevent workers from working as they prevent walking, moving, and lifting.


A contusion is a bump or a bruise that can happen when the body bumps into something. We see head contusions happen frequently, but a contusion can happen anywhere on the body. It is a serious bruise that creates swelling and damage. These will prevent work due to pain and loss of use. 


A laceration is a cut that can occur from an accident at work. You could have an accident with a stapler or a piece of machinery. Lacerations that lead to work loss typically involve stitches that take time to heal until you can use that body part normally again. This could take weeks, and for some, even months if there are complications.

Get a Quote

If you are concerned about the potential for injury at work and want to improve your existing workers’ compensation coverage, get a quote for your workers’ comp policy. At Advantage Insurance Network, we help Ohio business owners do just that. Call us for a quote today.

Why do I need commercial insurance in Ohio?

The Cincinnati, OH area has continued to offer a lot of opportunities for people that want to own their own business. If you dream of being a business owner in this area of Ohio, you can be successful if you are dedicated. To ensure that your business is properly covered and protected you will need to make sure that you get a full commercial insurance policy. 

Commercial Insurance Protects Company

A reason that any business owner in Ohio will want to have commercial insurance for their company is that it can protect their business. If you are going to start a company, one of the best investments you can make is in quality commercial insurance due to the coverage it provides. With commercial insurance, you can receive protection for all assets owned by your business and commercial liability protection. Both of these forms of coverage can help ensure your organization’s solvency.

Insurance is Required by Stakeholders

Due to the benefits that it provides to a company, any investor, lender, or other stakeholders will want you to carry a full policy. If you decide to take out money to help grow your company, the investor or lender will want to know that their investment is protected. One way that they will do this is by requiring that you carry a commercial insurance policy at all times. 

For those that live in the Cincinnati, OH area, and want to have insurance calling the Advantage Insurance Network can be a great option. If you would like a new plan here, the Advantage Insurance Network can help you better assess your needs and understand your options. This guide will help you pick a new policy and ensure that you remain properly covered and protected at all times. 

Do I need workers comp insurance in Ohio?

For anyone that wants to start a small company, coming to the Cincinnati, OH area can be a great option. This is a great place to start a company as it has a large population and good economic benefits. When starting a company here, you are going to need many forms of insurance to provide protection. One important form of insurance to obtain is worker’s compensation insurance. There are a variety of reasons why getting worker’s compensation insurance is important. 

Required by Law

One of the primary reasons why you need to have workers comp insurance in Ohio is because it can be required by law. Depending on the type and size of your company, you may be required by state law to carry this form of coverage. If you do not have it, you could face a variety of penalties, which could include losing your right to operate your business.

Provides Valued Coverage

Even if worker’s comp insurance was not required for your company, you should still consider getting it. The workers’ compensation insurance will provide coverage to an employee if they are hurt while working for you. Ultimately, this makes it a great form of insurance coverage and benefit for your employee, but it also helps to reduce your business’s liability risk as employee injuries will be covered by this insurance. 

If you want to start a business in the Cincinnati, OH area, it is very important that you know all of your insurance obligations. For those that are looking for insurance, the team at Advantage Insurance Network can be a great resource. When you call the Advantage Insurance Network, you can receive the advice and support you need to choose any type of insurance for your company, including worker’s comp coverage.