Companies vary greatly and so will their insurance needs, but not having coverage should never be an option. Our independent agents will discuss your business in detail with you to suggest the best policy, or policies, for your needs and budget. Sure, it’s an additional business expense, but not having adequate insurance could leave you in financial jeopardy or even force you to close your doors.
COVERAGE FOR ALL OF YOUR BUSINESS NEEDS
bonds • property • liability • commercial vehicle
Based on your type of business, size and expected growth and plans, we’ll help determine what needs protection most. It may be commercial property you own, equipment or company vehicles. If you provide a service, insurance can protect you from being sued due to professional error. Protecting your company is an important step in growing your business so call us today and let’s discuss some of the options below.
Getting bonded provides comfort to your clients. This is because a bonding company has secured money in the event that a claim is filed by your client. For example, if your company is hired to paint a home and in the process a window is broken. The customer can file a claim that the bond will pay out.
Required by a third party, usually the government, in order for you to do business.
Insurance for your business, typically to protect against employee theft.
SMALL BUSINESS INSURANCE
While individual policies can be purchased to cover against theft, damage and liability, many small businesses opt for a Business Owners Policy (BOP) that provides multiple types of coverage in one. Your business needs to meets certain criteria and we can help determine that. A BOP covers:
Cover your property and items like inventory from loss or damage due to fire, storms, theft and more.
This covers medical claims due to injuries to other people.
Protects your business from the loss of income if you cannot operate or business is disrupted.
Professional Liability policies protect you in a very specific way based on your profession against possible costly lawsuits. Whether you’re an Architect, Doctor or Personal Trainer, there is a specific liability insurance option that typically fall under one of these categories:
For those in a medical profession, it protects you from claims that allege negligence or mistakes.
ERRORS AND OMISSIONS LIABILITY
For those that provide a service or advice (like a consultant or lawyer) this protects against claims that poor or negligent advice resulted in financial loss to a client.
There’s a lot at stake when you’re running a business. Not only are you relying on income from your company, but so are your employees. Having the proper insurance, and bonds if applicable, can give you, and your clients, peace of mind. Our agents are ready to discuss your company’s specific needs to help you find the proper type and level of coverage, give us a call today.