Business Insurance

How to Ensure that You have the right

Business insurance helps your business in tough times when faced with a challenge. It provides coverage against losses and unforeseen events faced by your business. Having business insurance can be very significant for the survival of your business. The foremost is that it can help when your business faces events like fires, financial risk, and much more. Business insurance prevents your business from bankruptcy in case of these events. There are numerous types of coverage being offered by the insurance agencies ranging from property damage to liability coverage insurances.

Fast Facts About Business Insurance

What is business income coverage?

In general, business interruption insurance coverage protects against losses sustained due to periods of suspended business operations. It pays upon loss of revenue that would have been earned if there had been no business interruption. Business interruption insurance policies typically list or describe the types of perils they cover.  Perils or causes of loss that are neither listed on, nor described in, the policy are typically not covered.

Can I add non-owned auto insurance to my policy?

Consider purchasing non-owned auto insurance if your employees regularly drive their personal vehicles for business purposes, such as running work errands or traveling to meet clients. This coverage can typically be added to your business owner’s policy.

How much BOP coverage do I need?

The amount of BOP coverage you need depends on factors such as the type and size of your business, number of employees, and the type of customers you typically work with. However, many small businesses opt for the standard $1 million / $2 million small business policy. This means the policy will pay up to $1 million to cover any one claim, with a $2 million limit for the lifetime of the policy, which is typically one year.

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Brad M.

Accommodating, professional, helpful, and quick. Very comfortable experience and i was impressed by their capabilities.

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Susan T.

They have strong ties with the community, and its shows. It's nice to do business with people that really show they care about you and your family.

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Carol S.

Over years we've never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

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