Insurance for Small Businesses

Operating a small business is hard work.
Taking care of your insurance needs doesn’t have to be.

Managing a small business is hard enough without worrying about suffering sizable financial loss, or worse, due to unforeseen events and various risks. But with proper planning, you can take the necessary steps to protect yourself and your business.

INSURANCE FOR SMALL BUSINESSES

Insurance Analysis: An insurance analysis will help you determine your risks, and insurance needs. Here are just a few areas of exposure for you to consider: property, time element, crime, automobile, liability and worker’s compensation.

Finding the Right Insurance Agency: Do some research to determine the right insurance agency to meet your needs. A good insurance agency will be proactive in making sure you are insured properly as your business changes over time; will properly explain coverage you may be required to carry; will respond to your inquiries and requests promptly; will help you through an audit and explain how changes in your business (i.e. sales/salaries) will affect your insurance and annual audit.

Property Insurance: Obtain appropriate coverage to protect your property against various losses, including theft and disaster.

Business Liability Insurance: Protect your business in the event of a lawsuit for personal injury or property damages, and cover damages and legal costs from a lawsuit.

Health and Life Insurance: To help recruit and retain good employees, and help keep them healthy and productive, offer a comprehensive health insurance policy. Adding a term policy will provide added value to employee benefits.

“Key Man” Insurance: Protect your business in the unfortunate event that you lose a partner or key employee. Insuring yourself will also safeguard your spouse and family.

As always, feel free to contact us with any questions or concerns.