Disgruntled employees can cause thousands in damages, from sabotaging the business to theft to property damage. Business owners are often left with a mess to clean up, wondering how they’ll cover the cost. Commercial insurance in San Antonio, TX, may be able to help.

Type of Damage

Whether damage is covered depends on the insurance company and the type of damage. For example, damage to a vehicle would be up to your auto insurance. Property damage is covered by property insurance. Crime insurance may cover things like vandalism and theft. It’s important to determine which policy should cover the damages.

Common Exclusions

Most insurance policies have common exclusions regarding covered events. These may include certain natural disasters, such as floods, and damage from current employees or owners. However, some insurance companies include damage from employees as a covered peril. It’s important to speak with an agent at Integrity Advisors Agency LLC to learn about the exclusions in your policy.

Other Options

You have other options if your policy excludes damages from angry employees. You can contact local law enforcement to file a police report and press charges, ensuring the employee is responsible for the cost of damages. Many insurance companies require a police report for acts like vandalism or theft.

Figuring out which policy covers an incident or whether the damage counts as a covered peril can get stressful. Our agents at Integrity Advisors Agency LLC can help you learn more about coverage and other options. Contact us. We’re always ready to help. Our representatives are currently serving the San Antonio, TX, area.