Lesser-known commercial insurance coverages.  

As a business owner, you've secured your necessary insurance and know that you have reliable protection. If you're looking to get the best protection for your company, you may need to consider taking a better look at your policy. Take a look at these lesser-known situations that commercial insurance can cover.

• Ransom

Kidnap and ransom insurance can be added to your professional liability insurance so your policy can pay off your kidnappers if you're held hostage. If you travel a lot or have an up-and-coming business, it's wise to consider this unconventional coverage.

• Environmental Damage

Even regular business activities can adversely impact the environment and people nearby. If this is the case, you could be held liable for bodily injuries or property damage caused by the accidental release of:

• Smoke
• Vapors
• Fumes
• Acids
• Toxic chemicals
• Waste materials

You can add accidental pollution coverage to your general liability insurance so these costs are handled.

• Product Recalls

As a manufacturer, a product recall is a nightmare. When you recall a product for whatever defective reason, you suffer considerable losses along the way. Product liability insurance often provides coverage for the cost of recalling products and destroying defective ones. Did you know your commercial insurance could offer all-encompassing coverage? To get started on your tailored business insurance policy, contact Bell Black Insurance. Serving Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, and the neighboring communities in Idaho, as well as Jackson and Star Valley in Wyoming; we are ready to get you covered today.