Does Your Commercial Insurance Protect Against Vandalism?

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Part of being a successful business owner is understanding how to protect your company. Business protection comes in many forms; one of the most important is commercial insurance. Commercial insurance policies protect your business from damages, including vandalism.

Insurance policies and providers sometimes have their own language or lingo designating what they use and what they cover. This may mean you have a few questions about your insurance coverage when it comes to property destruction and defacing:

  • How do you react to a case of vandalism?
  • What’s the best way to prevent it from happening to your company?
  • Do you need to contact the police to file a claim?

Today, we’ll answer these questions and show you how to get insurance coverage to protect your business.

Dealing with the Aftermath

Commercial Insurance Protect Against Vandalism

If your business is subjected to an act of vandalism, you need to act immediately. Reach out to your insurance agent and make a claim as soon as possible. Waiting too long to make a claim may drastically reduce your chances of getting any compensation.

You also need to contact the police as soon as you know about what happened. Contacting the authorities sooner (rather than later) increases the chances of finding the culprit. Assisting law enforcement officials with catching the criminal is obviously in your best interest. Most importantly, other vandals will avoid your business when they realize they can’t get away with their malicious plans.

Finally, reach out to your employees and find out what they know about the situation. Their familiarity with the ins and outs of the business’s daily routine may aid you in your investigation. It’s possible the crime was committed by another employee, a regular customer, or someone else with close ties to your business.

Prevention Is Invaluable

The best way to avoid the problem is to prevent it from happening in the first place. There’s no perfect solution to avoid vandalism, and, in fact, even if you try your best, it may still happen. That doesn’t mean you shouldn’t do your part in making it as difficult as possible for vandals.

Make sure any potential criminals know they’re being watched. The presence of a security camera is an effective deterrent for most minor or small-scale criminal acts. Place a camera that’s clearly visible at your company’s main points of interests. Cash registers and building entrances are ideal places for surveillance devices.

Use an Alarm System

Investing in an alarm system is also a worthy endeavor. Alarms put vandals under pressure and force them to flee the premises faster than they would otherwise. They may not prevent damage to windows or doors during an attack, but they’ll mitigate the loss of assets partially or fully.

Light Up the Night

commercial liability insurance

Light up your surroundings. Criminals will stick to the shadows more often than not. They’ll most likely avoid your business if there’s a chance someone can see them in the act. Make the exterior of your building as visible as possible to reduce the chances of vandalism.

Repeated struggles with vandalism can be incredibly difficult for businesses. If you’re in need of commercial liability insurance, contact Tabak Insurance for a quote. While we can’t prevent vandals from targeting your location, we can make it easier to deal with the fallout after it happens.