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BUSINESS INSURANCE

I'm just getting my business started. Do I need insurance right away?
Yes. Your chance of suffering a loss begins with the first day of business. If you suffer a loss
and have no insurance or have improper or insufficient coverage, your insurance agent can do
little, if anything, to help you.

Also, many states and local jurisdictions require businesses to have insurance to begin operating. And if you rent space for your business, your landlord probably requires you to obtain adequate insurance.

I don't have any major business assets. Why do I need insurance?
Every business has some property. When you think about it, your business is your property. Just like your home and your car, your business needs to be protected from loss, damage, and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.

Does insurance coverage vary for different businesses?
It can. Many small businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).

Generally, BOPs provide more complete coverage at a lower price than separate policies
for each type of insurance needed. We can help you decide which policy or policies
are right for your business. You can also purchase additional coverage for
perils or conditions otherwise excluded (e.g., flood protection) as
endorsements to a standard policy or as a separate, second
policy called a Difference in Conditions (DIC) policy.

We can advise you of the best policy
(or policies) to protect you and
your business.