Insurance Protection for Your Business, Employees, and Customers
You’ve worked tireless, countless hours to build your business. And you have employees, vendors, and customers who rely on you for your products and services. Please don’t think that you’re saving any money by NOT securing business insurance coverage.
Commercial Insurance Policies are tailored based on the type of business you run and how large your company is. They cover things like liability, which protects your business from financial ruin if you’re found liable or negligent by a customer, vendor or employee for something related to your business or its operations. Wouldn’t it be nice to have a team from your insurance company to help you through?
Commercial Policies also cover property. Property Insurance can include your building, your condo office or equipment storage building. There’s also coverage for office equipment, computers, furniture and appliances, just to name a few. Inland Marine Insurance will cover tools or building materials. If your tools are stolen from a job site, could you continue to work the following day? How much is your skill saw or gang box and everything inside worth? With commercial property and inland marine insurance coverage, we take the “what if” out of the equation.
Have you thought about how difficult it would be to make payroll or complete orders for your customers and vendors if you suddenly had to shut down temporarily because of a fire or other type of loss/ You might need money quickly in order to get a temporary location up and running, to ensure your customers aren’t negatively impacted and aren’t tempted to go to a competitor. Avoid that scenario by getting business income and extra expense insurance. This coverage can keep things going without a hitch.
For our friends in Michigan, don’t forget the Workers’ Compensation Insurance (*our Ohio business owners must purchase their workers’ compensation insurance through the Ohio Bureau of Workers’ Comp). If an employee gets hurt on the job, or succumbs to a job-related illness, the costs could be devastating to your company’s bottom line should you have to pay for things directly out of your bank account.
Workers’ compensation insurance covers associated medical bills like emergency care, ambulance, hospital stays, ongoing therapies, and even lost wages.
And then there’s Commercial/Business Auto Insurance, which is not just for a fleet of trucks as some think. If you own a small business and write your vehicle off as part of your business expenses, and then let an employee drive it for work purposes and an accident occurs, your personal auto policy will likely not cover it. And if an employee drives their own car for work-related errands and an accident occurs, you may be the responsible party; not the employee. Commercial Automobile Insurance fills these insurance gaps and has many options that can be tailored to the specific coverage you’re looking for.
Have you considered data breaches, errors and omissions, protecting your directors and officers, abuse and molestation allegations? There are policies to cover these things, too. It may seem overwhelming, but take a breath! We know this stuff inside and out and we can work through what’s best for your business and make sure you’re properly covered. We’ll shop the rates to keep costs fair too!
Connect with one of us today and let’s get to work protecting your business!