We browse through a wide variety of coverages and find the right one for you.
Owning a business isn’t just some 9-to-5, working-for-the-weekend endeavor. It’s a carefully crafted, the self-invested game plan to do something you’re passionate about … and to build a small fortune.
This makes finding the right coverage incredibly important. Our freelance insurance agents grasp the ins, outs, and all-around of small business insurance and will help you find the protection you need to keep your high-stakes hobby secure.
Boiled down, it’s a contract between a business and an insurance company where the insurer will pay to repair, replace or recover the value of whatever the business has under coverage. These lifesavers (policies) will keep you afloat if a few waves of bad luck tip you over.
Instead of selecting every policy singly, a small business (that meets certain criteria) can purchase a package that includes the protection of multiple policies. This makes the value and method ideal for a freshly budding business.
This little bundle of joy is termed a business homeowners policy (or a BOP). You’re going to want to remember that.
Every business, big or small, needs some form of insurance. Yes, certain types may not be required or seem relevant to you, but one little whoopsie could bring down your growing empire.
Bad things that could happen to your business:
Are you thinking to yourself, “Hmm, I’m not technically a business, so I probably don’t need insurance?” Well, think again. Any continuous activity with a profit motive is “technically” a business and will be controlled chargeable for similar risks as a little business.
To find your insurance sweet spot, you’ll have to figure out what coverage makes sense and determine whether the benefits will outweigh the premium costs. To find accurate info and make the search process easier for you and our insurance agents, you’ll need to know your industry type and business classification.
It’s simple. Literally. Independent insurance agents modify the method by looking at and scrutiny insurance quotes for you. Not only that, they’ll cut the jargon and clarify the fine print so you know exactly what you’re getting.
Plus, freelance agents work for YOU and not one insurance supplier. They’re the sole agents WHO will check policies from multiple carriers. AND, you’ll never outgrow an agent; they have the flexibility to find the right coverage as your business continues to expand and evolve.
Most significantly, they’ll be there to help you when claim time comes. The outcome of insurance claims will be powerfully wedged by however the method is approached and handled.
The cost of business insurance policies depends on the coverage and variety of alternative factors just like the size, location, and materials employed in your business. So an adorable strip mall bakery might only pay $200 a month, whereas a chainsaw-carving wood sculptor could pay $2,000 a month. The safer and smaller the company, the cheaper it is.
For starters, combining policies and raising your deductibles are two easy ways to drive down cost. You can also get lower rates and discounts if you pay annually and increase your safety measures.
Our gifted insurance agents will review your business needs and help you evaluate the commercial coverage options that make the most sense. They’ll also compare policies, packages, and quotes from multiple insurance companies to make sure you have the right protection in place. So you’ll have that going for you.
We have a very, very large amount of info and insights on small business insurance. If you’re ready to learn more, here is the gateway/page that will guide you to the information you seek.