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Red Rock Insurance

2760 Lake Sahara Dr. Ste 100
Las Vegas, NV 89117

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Types of Commercial Insurance You Might Not Know About

When you are purchasing commercial insurance, you are likely going to purchase general liability to protect you against accidents and property damage. That might not be giving you complete peace of mind. 

At Red Rock Insurance, we know that you worry about the number of additional risks that your business could be exposed to. Call us to talk about the different types of commercial insurance that you may want to add to your portfolio.

Business Interruption Insurance

When your business sustains damage due to natural disaster, commercial insurance called business interruption insurance can provide some relief. After a significant loss, business interruption insurance will help you to pay bills, cover your payroll, and provide relief for additional expenses.

Product Liability Insurance

This kind of insurance will protect you in the event that you have a problem with a product. If one of your products creates a problem or a liability for someone else, the damages or legal costs could crumble you. Product liability insurance provides protection against the liabilities caused by a faulty product, or products that cause injury, illness, or property damage.

Cybersecurity Insurance

Today’s business world can fall prey to cyberattacks at any moment. A virus, malware, or ransomware attack could close your business doors for a minute, or forever.

It is natural to think that your business is too small for a hacker to want to reach, but that is not the case. Hackers and ransomware criminals are checking in on the small businesses today as much as they are targeting the big guys. They assume that you won’t have the coverage that a Fortune 500 would in the event of a cyber disaster.

Equipment Breakdown Insurance

If you have specialized equipment that you need for your business to run successfully, you may want to consider equipment breakdown insurance. This kind of insurance will cover a repair and a replacement in the event that your business shuts down due to some kind of equipment failure.

Get a Quote

There are enough things to worry about when you are running a business. Let us take some of the big concerns off of your mind. Call Red Rock Insurance today for a quote or to update your existing commercial insurance policy.

Hazards not covered by home insurance

You may be surprised to learn that quite a few hazards are not covered by home insurance. Your home is likely the largest purchase you will ever make, and protecting it is vital to your financial security. In Las Vegas, NV. Red Rock Insurance is a local agency with a team of experienced agents to help with your home insurance choice. We understand how important making the correct decision is.


Floods are one of the most common causes of catastrophic damage to homes in the US. Billions of dollars of damage happen every year. This is just for the major floods. Many smaller localized floods also happen. The good news for homeowners is that even though your home insurance doesn’t cover flooding, you can purchase flood insurance separately. 

Land movement

Land movement includes earthquakes, mudslides, and sinkholes. These are excluded from most home insurance policies. You can, however, add a rider or a separate policy to give you the protection you need. 

Expensive items

Expensive items are not so much exclusion as a limit. Jewelry, antiques, and art have minimal coverage. Chances are if you have a nice engagement diamond, you likely have reached the average jewelry limit. Talk to your insurance agent about getting coverage for collectibles, jewelry, and other valuable possession you may have. 

Owner neglect

You may feel your home is your castle and the care you provide for your home is your own business. You would be wrong if you were to file a claim for something resulting from corrective measures you should have taken. If you get termite damage, your home insurance won’t cover it. Your insurance expects you to maintain your home. 

If you have questions about home insurance and live in or near Las Vegas, NV, Red Rock Insurance is here to help you get the coverage you need. 

Partner Carriers

  • Advantage Auto
  • Badger Mutual
  • Mercury
  • Progressive
  • Safeco
  • The Hartford
  • Travelers