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Strengthen Commercial Insurance with an Endorsement

When it comes to commercial insurance in Peoria, AZ, it might feel like you don’t have enough–or have a little too much. Instead of operating with a coverage gap, why not modify your policy to get what you need? You can strengthen your insurance by getting an endorsement. Here’s how.

What Is an Endorsement?

Don’t worry: you won’t have to make a deal with a social media influencer or celebrity. For insurance products, an endorsement (also known as a rider) is an item that you can put into your existing policy to change it in a meaningful way.

Endorsements will customize your policy to better suit your needs. Even better, they allow you to get more robust coverage without taking out an entirely new policy, saving you money in the process.

How Do Endorsements Work?

Two of the most common ways to use a rider are adding coverage to an existing policy or removing something you do not need. For example, you might want to add an endorsement to your existing commercial insurance to protect key personnel, an entity, or a specific event that is not covered or explicitly addressed.

You may also add an endorsement to remove coverage. Let’s say that your current business property insurance protects against flooding due to a natural disaster. If your location does not get a lot of rain or is not near a river, then you would be spending money for something you will never feasibly need. An endorsement can strike flooding protection from your policy, which might also lower your premiums.

Your commercial insurance agent can help you set up endorsements for your policy. Request a consultation today to discuss your options.


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