Small Business Insurance
As a business owner, you’ve got a lot on your mind. You’re constantly thinking about your employees, products, services and bottom line. With a long list of concerns, your insurance coverage shouldn’t be one of those worries. As a small business ourselves, we understand the relief that comes with knowing you have a service provider that’s reliable, attentive and can take stuff off your plate. Our goal is to provide you with relief. We’ll work with you to develop the best coverage plan for your business or commercial property. We’ll create a comprehensive plan fulfilling your insurance needs all in one place.
Every business needs a strong foundation to succeed. Part of that foundation is protecting your business from liability losses. A business liability policy is an essential part of your insurance portfolio, regardless of your business industry.
What can a business liability policy protect you from? Short answer – a potential legal headache! Long answer – claims including bodily injury, property damage, personal injury and others that can arise from your business. It also covers the associated cost of legal defense and legal damages you are obligated to pay, up to the policy limits selected, if you do find yourself having that headache.
You can’t predict when a workplace accident can occur. You can plan for it. With workers’ compensation insurance, you can protect your employees and yourself. On the job injuries or illness, and employee lost wages are covered by a workers’ compensation policy. It also protects your company from being sued by employees for workplace conditions that can cause an injury or illness. It protects your employees to the fullest and ensures that job related injuries don’t cause you financial burdens. Now that’s what we like to call a win, win.
And in many states, having a workers’ compensation policy isn’t a business decision. It’s required by law.
You strive to secure your business. You may think that your business owner’s policy provides your entire business with protection. It’s a common misconception that can be costly. Your business owner’s policy only covers your actual business structure. But there’s so much more that’s valuable to your business. Equipment, furniture and signs are vulnerable to costly damage under a business owner’s policy.
Your business and contents can be covered under a commercial property insurance policy. We can help you get the best policy so you feel secure about your business.
Could you be the next Target? (pun intended!). Cyber crimes continue to rise. As technology becomes more pervasive and sophisticated, threats increase. Most businesses these days can’t function without technology. The increased use of it in the workplace means almost every business faces risk. It’s important to be prepared with cyber liability insurance.
A cyber liability policy will give you coverage beyond your business liability insurance. It can cover the business costs and liability from the theft or loss of data from a breach of data security.