That’s easy! Just call us or click over to our Contact Page and fill out our form for a no-obligation Business Insurance quote.
No. We provide quotes for all our insurance products without obligation.
Generally speaking, yes. A Business Insurance Policy covers you for all damages awarded against you up to the policy limits. Some policies also cover the cost of hiring an attorney and other costs related to defending yourself in court. It’s important to note, however, that a standard business insurance policy won’t cover suits arising from discrimination or harassment. For these, you need an “Employment Practices Liability Policy.”
Specific Business Insurance products include:
- Commercial Auto
- Commercial property
- Small Business
- Property and Umbrella
- Worker’s compensation
Yes. Operating any kind of business without insurance—even a one-person operation—isn’t advisable.
The following isn’t an all-inclusive list, but provides a fair overview of coverages for which you can use Business Insurance. For specific questions regarding business coverages, contact our offices:
- Buildings and renovations
- Records and documents
- Automobiles, including passenger vehicles and industrial trucks
- Construction equipment
- Signs, fences, and other, similar items.
If I run a business from my home, shouldn’t my homeowner’s insurance cover any business-related losses?Expand
Relying on your homeowner’s policy to cover losses to your home-office is a dicey proposition. Homeowner’s policies aren’t meant for this kind of coverage, and they generally cap property losses at specific amounts.
If you’ve made significant investments in computers, fax machines, telephones, file cabinets, etc., you could easily reach and exceed your homeowner’s limits in the event of an unforeseen catastrophe. Even if you’re a one-person business operating out of the home, it’s a good idea to have a separate Business Insurance policy.
A Business Owners Policy (BOP) is a type of specialized policy for small-to-medium-sized businesses combining different coverages into a single policy. Sometimes referred to as a small business package insurance policy, BOPs can significantly reduce premiums. Call or email us today to find out if your business qualifies for a BOP.
Generally speaking, the following types of businesses are best suited for Small Business Package Insurance:
- Repair shops
- Funeral homes
- Hair salons/Nail Salons
- Laundry mats
- Dry cleaners
- Law firms
- Print shops
- Shoe, watch, clock, and jewelry repair shops
- And a lot more. Contact our office to find out if your business is eligible.
Larger businesses with risks that are beyond the coverages provided by Small Business Package Insurance don’t qualify for BOPs. To find out if your business is eligible, call our office today.
Business Umbrella Insurance is a type of supplemental coverage that goes over and above when you reach the payout limits of standard Business Insurance policies.
Umbrella Insurance provides supplementary coverage to standard policies in the event of:
- Business-related personal-injury or property-damage claims arising from negligence by you or anyone legally representing your business
- Business-related personal-injury or property-damage claims arising from an accident caused by hazards on your property
- Business-related liability claims against you for events occurring on or off your property
- Business-related liability claims against you related to an accident in a company-owned vehicle
Because each business and circumstance is different, it’s impossible to provide a one-size-fits-all estimate regarding how much coverage businesses should carry. That said, the typical Umbrella policy is for between $1 and $10 million in liability damages.
Worker’s Compensation Insurance protects your business if an employee suffers job-related injury or illness. It covers medical expenses and lost wages for sick or injured workers. If you don’t have workers’ compensation insurance, your business might be obligated to cover those expenses.
In most states, all of a business’s regular employees must be covered by some form of workers’ compensation. Depending on what state you do business in, failure to provide workers’ compensation to applicable employees can result in significant fines, prohibition from public-works jobs, and other, potentially crippling penalties.