BUSINESS INSURANCE
Protect your legacy, your employees and yourself with business insurance coverage.
Do I Need Business Insurance?

As a business owner, you have a lot to protect. The right business insurance coverage can be important to your continued success.

What is Business Insurance?

Business insurance protects your business from losses due to events that occur during normal business operations. There are many types of business insurance, including coverage for property damage, legal liability and employee-related risks.

Types of Business Insurance to Consider:

Property Insurance: Funds repairs or replacements for damaged physical assets when disasters strike.

Business Interruption Insurance: Replaces a business’ lost income as a result of an event that interrupts business operations, such as fire or a natural disaster.

Liability Insurance: Protects against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services.

Workers’ Compensation Insurance: Satisfies your employees’ medical needs in the event of an accident or disease and removes lawsuit potential by current or former employees.

Business Auto Insurance: Ensures your business is protected against losses due to injuries to other drivers, passengers and pedestrians for which you and your employees are liable.

Business Crime Insurance: Protects against fraud, theft, forgery or robbery.

Business Continuation Insurance: Protects against events that may threaten the future of the business, like the death or disability of a proprietor, partner or key employee.

A Business Owners Policy (BOP) is a package policy that provides several important insurance protections for: buildings, personal business property, business interruption, bodily injury liability and property damage liability. This type of policy can also be customized to fit the needs of your business.

Some business insurance is required by law and others by business associates, such as your lenders or a landlord. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.

Questions to Ask

Here are a few questions to consider when looking for business insurance:

  • How can I help ensure that my business will be able to weather unforeseen financial hardships?
  • What will happen to my business if I die or become disabled?
  • What will happen to my business when I retire?
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