What is ‘Business Insurance’
Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.
BREAKING DOWN ‘Business Insurance’
It is especially important for small business owners to carefully consider and evaluate their business insurance needs because they may have more personal financial exposure in the event of loss. If a business owner does not feel he or she has the ability to effectively assess business risk and the need for coverage, they should work with a reputable, experienced and licensed insurance broker. You can obtain a list of licensed agents in your state through your state’s department of insurance or the National Association of Insurance Commissioners.
Several types of business insurance that small business owners might consider:
Professional Liability Insurance
Professional liability insurance insures against negligence claims that result from mistakes or failure to perform. There is no one-size-fits-all professional liability coverage. Each industry has its own unique concerns that should be addressed.
Property insurance covers equipment, signage, inventory and furniture in the event of a fire, storm or theft. However, it doesn’t cover mass-destruction events like floods and earthquakes. If your area is at risk for these issues, you’ll need a separate policy.
Homeowner’s policies don’t cover home-based businesses like commercial property insurance covers businesses. If you’re operating a home-based business, inquire about additional coverage for equipment and inventory.
Product Liability Insurance
If your business manufactures products to sell, product liability insurance is very important. Any business can find itself named in a lawsuit due to damages caused by its products. Product liability insurance protects a business in such cases.
Any vehicles used for business should be fully insured. At the very least, businesses should insure against third-party injury, but comprehensive insurance will cover the vehicle in an accident, as well. If employees are using their own cars for business, their own personal insurance will cover them in the event of an accident. One major exception is if a person is delivering goods or services for a fee, including delivery personnel.
Business interruption insurance
This type of insurance is especially applicable to companies that require a physical location to do business, such as retail stores. Business interruption insurance compensates a business for its lost income during events that cause a disruption to the normal course of business.
Protect your business in minutes
With the energy, care, time and resources you’ve put in, insurance for your business (and getting it right) will be a top priority. As specialists in insurance for small business, we understand that your requirements are unique and that the types of business insurance on offer can be confusing.
To help you decide, we’ve designed a form that’ll help you compare business insurance quotes tailored to your needs, choosing from a range of covers including public liability and employers’ liability. To get started, click below and get your commercial insurance quotes now.
Online business insurance
Selling products online? We can now cover your online trade, with online retailers’ insurance built for businesses that sell on the web. We offer excellent value and extensive cover, with stock insurance part of the package. Whether you’re a home-based business or high street retailer, our online retail insurance offers a tailored solution.
From minimum coverage to specialized protection, our flexible options allow you to get your business insured accurately for each stage of your business’s development.
Basic business insurance
Accidents, illnesses, lawsuits… If you’re in business, you’re exposed. While the number of risks you’re exposed to is almost unlimited, you might only need a few basic coverages to start out. For example:
- General liability insurance — All small businesses, old and new, need general liability insurance. It’s basic liability protection that guards against things like accidents, injuries, property damage and lawsuits.
- Commercial auto insurance — If you use vehicles for work, you’ll need commercial auto insurance to be fully covered. Personal policies don’t usually cover work related incidents. You’ll save up to 5% if you combine this with General Liability! Do you need a commercial auto policy? Find out here.
As your business grows
Most small businesses insurance needs quickly extend beyond basic liability and commercial auto insurance. Certain jobs require specific coverages, employees need protection, and a number of risks fall outside the protection of basic liability coverage.
When insurance coverages are packaged together, it’s often referred to as a Business Owners Policy, or BOP. Additional coverages in a BOP might include:
- Property — This can protect your commercial buildings and most of your personal property. Both of which are not covered by liability insurance. Liability normally covers other people’s assets, not yours.
- Business income interruption — If your policy includes coverage for property, you also have protection in the event of business interruption. For example, if you have a property claim that prevents you from operating your business, business income interruption coverage could help pay you for your lost income, employee salaries and rent expenses.
- Professional liability — Do you give professional advice or provide a professional service? If so, you should probably carry professional liability insurance. This can be endorsed to your BOP.
While technically not part of a BOP, we also offer workers’ compensation insurance to help pay for things like medical costs and lost wages of employees who become ill or injured on the job.
Business insurance for contractors
We cater to the special needs of contractors by offering general liability as a stand-alone coverage for contractors who don’t need a full BOP. Learn more about what we offer contractors.
Business insurance cost
Many factors play a role in determining the cost of business insurance. The most influential usually are profession, number of employees and coverage needs. As you may imagine, these factors can vary greatly from business to business.
Getting a quote is easy! You can start a quote online, or simply call us. We also offer a step-by-step guide on how to get business insurance, and a quoting checklist for information you may need to gather beforehand. Our specialty commercial agents can also help you decide which coverages and limits you need to match your unique business situation.
Types of business insurance
From brick-and-mortar shops to contractors on the go, we insure most types of small businesses such as:
- Beauty Salons
- HVAC Services
- And many more
In addition to outstanding customer and claims services, we also provide valuable discounts, fast online certificate services, flexible payment options, online bill payment capabilities and more. Call today for a complete rundown.
The Basics of Business Insurance for Startups
Business insurance exists to protect your investment in your business, along with those of your investors and co-owners. It also can help you provide financial compensation to the people who work for you, should accidents occur. Most commercial insurance coverages are optional; some, like workers compensation, are mandatory in most states. Your state government determines which are required.
What follows is a basic insurance overview of the types of insurance policies that you should know about and consider purchasing. Every business is different; some coverages may not be applicable to the type of company you own and run.
General Liability Insurance
Also simply called liability insurance, this type of policy covers your business when certain claims are made against it. These may arise as the result of injuries or property damage connected with your business, or even non-physical acts like slander or libel. If your company handles personal information, data breach coverage might be something you want to consider. This type of insurance will also assist in covering the cost of your legal defense.
This insurance covers your business’ property and physical assets, including buildings, equipment, inventory, furnishings, and computers, from loss or damage in the event of man-made disasters like theft and fire, and natural ones like tornados, hurricanes and other weather events.
Workers’ Compensation Insurance
Most states require that businesses carry workers’ compensation insurance for their employees. This type of insurance replaces wages and pays for medical care for employees injured while on the job in exchange for agreeing not to sue their employer. Unemployment insurance and state disability insurance are also frequently required by states. In addition, check out this overview of worker’s compensation coverage to learn more.
Commercial Auto Insurance
A commercial auto policy provides coverage for you, your employees, and the vehicles you own, lease, rent or borrow—both on the road and off. Many states make this coverage a requirement. Even if it’s not mandatory, this kind of policy will provide a measure of financial protection against liabilities that may arise from incidents involving these vehicles.
Commercial Flood Insurance
The National Flood Insurance Program covers businesses from financial losses due to property damage caused by flooding. You still have to pay for coverage, but it’s an important financial safeguard—and it’s backed by the federal government.
Commercial Umbrella Insurance
Often called umbrella liability, its primary purpose is to give your business added financial protection from potentially ruinous lawsuits and accidents. It serves as a backstop to other policies, including general liability, filling potential gaps when other coverages have reached their limits. It may also protect against additional liabilities not covered by your other commercial policies.
Management and Professional Liability Insurance
If you operate a professional services business like a medical practice or an investment advisory practice, coverage through a professional liability insurance policy can help shield you from losses (both legal damages and defense costs) resulting from acts, errors and omissions in the performance of your professional duties.
Similarly, management insurance would cover your business from lawsuits that arise in connection with your organization’s management practices. These types of lawsuits are sometimes not covered under a general liability policy. It can be complex determining the coverage appropriate for your business. An insurance professional experienced in working with others in your field can help you determine what additional levels of coverage your business may need.
Business Income Insurance, also known as Business Interruption or Continuation Insurance
If unexpected events cause your operations to be suspended, this type of insurance would help you replace the loss of business income you incur, to help you meet your continuing financial obligations such as rent or payroll.
From the day an entrepreneur starts a business, he exposes himself to certain risks. Even before the first employee is hired, a business is at risk, making it important to have the right insurance in place. One lawsuit or catastrophic event could be enough to wipe out a small business before it even has a chance to get off the ground.
Fortunately, businesses have access to a wide range of insurance types to protect them against these dangers. Here are some insurance types that a business must have in place as soon as possible.
1. Professional liability insurance.
Professional liability insurance, also known as errors and omissions (E&O) insurance, covers a business against negligence claims due to harm that results from mistakes or failure to perform. There is no one-size-fits-all policy for professional liability insurance. Each industry has its own set of concerns that will be addressed in a customized policy written for a business.
2. Property insurance.
Whether a business owns or leases its space, property insurance is a must. This insurance covers equipment, signage, inventory and furniture in the event of a fire, storm or theft. However, mass-destruction events like floods and earthquakes are generally not covered under standard property insurance policies. If your area is prone to these issues, check with your insurer to price a separate policy.
3. Workers’ compensation insurance.
Once the first employee has been hired, workers’ compensation insurance should be added to a business’s insurance policy. This will cover medical treatment, disability and death benefits in the event an employee is injured or dies as a result of his work with that business. Even if employees are performing seemingly low-risk work, slip-and-fall injuries or medical conditions such as carpal tunnel syndrome could result in a pricey claim.
4. Home-based businesses.
Many professionals begin their small businesses in their own homes. Unfortunately, homeowner’s policies don’t cover home-based businesses in the way commercial property insurance does. If you’re operating your business out of your home, ask your insurer for additional insurance to cover your equipment and inventory in the event of a problem.
5. Product liability insurance.
If your business manufactures products for sale on the general market, product liability insurance is a must. Even a business that takes every measure possible to make sure its products are safe can find itself named in a lawsuit due to damages caused by one of its products. Product liability insurance works to protect a business in such a case, with coverage available to be tailored specifically to a specific type of product.
6. Vehicle insurance.
If company vehicles will be used, those vehicles should be fully insured to protect businesses against liability if an accident should occur. At the very least, businesses should insure against third-party injury, but comprehensive insurance will cover that vehicle in an accident, as well. If employees are using their own cars for business, their own personal insurance will cover them in the event of an accident. One major exception to this is if they are delivering goods or services for a fee. This includes delivery personnel.
7. Business interruption insurance.
If a disaster or catastrophic event does occur, a business’s operations will likely be interrupted. During this time, your business will suffer from lost income due to your staff’s inability to work in the office, manufacture products or make sales calls. This type of insurance is especially applicable to companies that require a physical location to do business, such as retail stores. Business interruption insurance compensates a business for its lost income during these events.
By having the right insurance in place, a business can avoid a major financial loss due to a lawsuit or catastrophic event. Check with your insurer to find out what forms of insurance are advised for your type of business and put those plans in place as soon as possible.
What is Business Insurance?
Business Insurance Overview
The term “business insurance” pertains to protecting against operational losses by a business. What type of loss is covered by a business insurance policy depends on the insurance company, the policy wording, and local limitations.
Common Coverage Types
There are several types of business insurance, each limiting coverage stipulations and restrictions. The most common types are:
1. Key Person Insurance: A business Key Person is considered so important to the company that loss the person could cause considerable damage to the company’s financial future. Benefits are paid if the Key Person covered experiences a disability that prevents working or if the Key Person dies. The remaining partners or owners can use the benefits only for legitimate business expenses, such as buying the disabled person’s stake in the business or hiring and training expenses for a replacement. Key Person Insurance is sometimes also called a Buy/Sell Agreement.
2. General Liability Insurance: This coverage protects the business against liability claims, negligence, manufacturing or personnel error, bodily injury, or even property damage. Liability insurance often covers the policy holders’ legal fees if the liability or event is covered under the policy.
3. Product Liability: Coverage protects against faulty products and damage, injury, or death from use of the faulty product.
Insurance companies use actuary tables configured from data using historical information and projected risks regarding similar businesses who have suffered covered losses and the costs incurred and quote an applicable rate per unit of coverage. The number of insurance companies who issue business insurance can influence business insurance rates as can the size and type of business, to name a few.
There are several categories of risk identification factors that combine into determining coverage approval and policy rates. Among them are business experience, operational hazards, and even location. Obtaining financing for business start-ups can sometimes rest on the business plan requiring purchasing viable business insurance.
Because business insurance spreads the risk costs among all businesses with coverage policies, a business may experience rate increases when no claim was filed against that business. However, the replacement costs for the individual business are generally considerably higher, making purchasing business insurance a wise decision for many business owners, whether involving a large, established business or a small business just starting.
Austin, Texas Business Insurance
At Heaton Bennett Insurance, we pride ourselves in effectively and efficiently evaluating your business insurance needs in Austin, Texas. Nobody knows your business better than you and nobody knows business insurance better than Heaton Bennett.
We take the time to research and investigate the unique challenges your particular industry may have for insurance concerns and then we develop a custom package that addresses your risks. We also look at other vulnerabilities your business may encounter according to your location, personnel, and even future plans.
Our thoroughly vetted collection of top-rated companies partner with local businesses and global providers to ensure your business continues running smoothly no matter what happens.
We are the Insurance Experts for your business in Austin, Texas
Austin’s most commonly requested types of insurance are property, liability and workers’ compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers’ compensation insurance covers on-the-job injuries to your employees.
The majority of professional insurance types are optional, and some are only suggested for specific types of businesses. On the other hand, just because these types of coverage are not required by law, a property and casualty insurance policy is highly recommended for all business owners as these kinds of coverage allow you to focus on running your business and not spend time worry about exposing yourself or your company to unnecessary risk.
David Levesque has had an entrepreneurial spirit since his days in college, when he managed the vending machine service at Johnson & Wales University — a business that did $380,000 annually in sales. When he opened his first coffee shop nearly fifteen years ago in Rhode Island, his dream of self-employment became a reality. He now has five shops under the Brewed Awakenings name in the Providence area. But when a water main broke recently near one of the shops and flooded the entire store within 20 minutes, panic set in.
For many small-business owners, standard property insurance doesn’t cover acts like flooding, earthquakes and terrorism. Levesque, however, had business interruption insurance with The Hartford, and within two days he had a check for $50,000 to begin repairs. The insurance policy he had purchased for a minimal investment covered all the repairs and allowed Levesque to pay his employees their salaries while the store was shutdown. Without it, he would have needed to lay off his employees while he repaired the damage.
According to a 2010 survey by Travelers Insurance, 94 percent of small-business owners are confident their business is protected against insurable risks, despite only 56 percent having disaster-recovery insurance. Levesque’s story is actually a rarity in the business insurance world. Many business owners don’t understand how small business insurance works, and how to budget for it correctly.
‘For many small-business owners, there is a fear that the insurance will not be there when they need it most and that it will be too costly,’ says Janice Co, vice president of strategy and CMO for The Hartford’s small commercial insurance business. ‘But the insurance is there to protect you in the things you’re probably not thinking about. If you don’t have a comprehensive policy covering business interruption, worker’s compensation, liability and more, you’re not covered in many instances.’
In this guide, we will cover the types of business insurance you absolutely must have, some optional coverage, the biggest mistakes made in the budgeting process and how to actually purchase the insurance.
Business Insurance Budget: Coverage You Must Have
As Co puts it, you need the coverage that will keep you out of the most trouble. To put it more bluntly, you’ll want coverage for your property and business interruption, liability insurance, workers’ compensation and commercial automobiles before you start thinking about other types of insurance. A Business Owners Policy (or BOP) can roll all of these together in a cost-effective manner, but if you want to get customize your policy, here is what you need to focus on.
All businesses have one thing in common—the need for protection from liability claims. These claims arise when you are legally obligated for someone who was injured while on your property, if an employee injures someone else or someone else’s property, if your product causes bodily injury or property damage, if your business is located in a rented space and damage occurs to that rented space, and many other legal claims such as libel, slander, copyright infringement, and claims of false or misleading advertising.
Bodily injury claims, such as slip-and-fall injuries, as well as other types of negligence claims can result in lawsuits, requiring your business to pay for damages awarded by the court. A commercial liability insurance policy will pay to defend your business against a lawsuit, as well as pay damages up to your policy limits. If damages exceed your policy limits, your business will be responsible for paying the remainder of the damages.
Commercial liability insurance can be purchased as a separate stand-alone policy, or you can bundle it with other business insurance policies (Businessowners Policy (BOP), or Commercial Package Policy (CPP)). Discussing your business needs with an independent insurance agent is the best way to make sure your business is protected. Your agent will help you decide on the amount of coverage you need, which is based on both the type of business you have, and the location of your business.
Depending on your business needs, your agent might recommend additional coverage limits, called excess insurance or umbrella insurance. These policies are in excess of your coverage limits, which is particularly important if you work with contracts. Review your contracts with your agent to make sure you have adequate commercial liability limits to cover you for the requirements set forth in the contracts (e.g. additional named insured for the project, stated policy limit amount).
A commercial liability insurance policy will not, however, cover all types of liability your business will face. Non-covered types of liability claims include, but are not limited to, workers’ compensation, intentional acts, and your work and work product. Review your business practices with your independent insurance agent to make sure you are covered for all types of liability your business may face.
Highly Effective Programs Customized Around Your Business Strategies
- Lower Admin Costs — Our service team works diligently to realize added savings to your company’s bottom line.
- Education and Communication — We constantly monitor and anticipate industry trends to keep employers protectively positioned for the rapidly changing labor and insurance market place.
- Federal Regulation Compliance — Understanding how new and existing federal insurance requirements and regulations impact corporate and personal liability yields remarkable hard and soft dollar savings.
- Best Practice Results — Ongoing review and monitoring of plans according to industry benchmarks assure plans achieve results and guide future plan revisions.
Whether you own a small business near home, a statewide business in Texas or operate in states around the U.S., Perry Hunter Hall, Inc., develops customized insurance programs that can lower overall cost of risk, while supporting your bottom line.
We match insurance coverage (property insurance, liability insurance, business auto insurance, workers’ compensation, and others) to your company’s overall business strategy.
We proudly provide small business and corporate business coverage policies, and Perry Hunter Hall, Inc., is licensed to compare business insurance policies in 39 states. As your company grows, we’ll be right there ready to analyze your insurance needs.
Need business insurance while working at home? No problem. Whether you’re just starting a small business at home or need coverage for an established and growing business, Perry Hunter Hall, Inc., can help protect your livelihood against the unexpected. We offer tailored programs for all types of businesses and professions.
You’ve invested a lot of time, money and sweat in your small business, so it makes sense to protect that investment with smart and professional insurance coverage. In fact, business insurance should be an essential part of your business operations — a necessity for safeguarding your business assets, your employees and your livelihood.
What coverage do you need?
Business insurance policies come in many forms to cover many needs. Several factors determine what coverage you’ll need and the rate you’ll pay, such as the nature of your business, whether you operate from a commercial building or home office and whether you have employees. Below are the most common types of insurance coverage that small businesses need:
- Property insurance: Property insurance covers your buildings, equipment, inventory and other contents. You especially need this type of insurance if you own a storefront and house a lot of inventory all in one place.
- Liability insurance: What does liability insurance cover? If you have customers visiting your business, general professional liability insurance protects your business in the event a customer is injured on your property. It also pays for your legal defense if you face a lawsuit because your product or service causes harm. If you provide services that could cause others’ financial loss, you also may need professional liability coverage. Malpractice insurance is a type of professional liability insurance which is mostly used by medical professionals, but can be used by other professionals to help provide legal defense. Almost all businesses need this type of insurance if workers have direct interaction with or provide services to the public.
- Commercial auto: Commercial auto insurance claims can be devastating for businesses that aren’t properly insured. If you or your employees drive company-owned or personally owned vehicles in the course and scope of business, you need commercial auto coverage. You need this insurance to avoid having an auto claim denied by your personal agent because your vehicle was being used for work purposes.
- Workers’ compensation: If you have employees, you need workers’ compensation insurance to cover medical expenses and lost wages arising from illnesses or injuries triggered by their work. Many states require you to carry this coverage so you need it to be in compliance with state law.
- Business interruption: If your business is unable to operate because of a covered property loss, business interruption insurance covers lost income during the downtime. You need this insurance to ensure the continuity of your business when outside factors adversely affect it.
- Disability insurance: If you own a small business, a disabling injury or illness could be financially devastating. Several income protection options are available for business owners, including business overhead expense insurance, key person insurance and bank loan disability insurance. You need this to protect you in the event of an injury that could impact your business.
- Health: Health insurance is important for you and your employees. And with the federal Affordable Care Act now on the books, it’s important to understand your responsibilities as an individual and as an employer. Again, you may be legally required to offer this insurance. You also may need to have it to attract top quaiity talent.
- Life: If you have family members who rely on your income, life insurance will provide the money they need if you meet an untimely death. In addition, many lenders require you to have life insurance before giving you a business loan. You need this to protect your family from a loss of income in the event of your death.
- Key person insurance: This is a type of life insurance where your business is the beneficiary. A business normally takes this policy out on a key individual in the company. If that person dies, then the company receives the benefit to help keep the company afloat. This insurance is needed to protect your business and any income your family may receive from the continuation of a business after your death.
- Errors and omissions insurance: This insurance is a type of liability insurance needed to protect a professional who gives advice or delivers services. If a customer is adversely affected by bad information, this insurance can kick in to reimburse the client for any mistakes you’ve made. You need this to give clients confidence in your work and to know they are covered in the event of an errors you might make.
Don’t leave your business unprotected. When you’re ready to shop for small business insurance quotes, get instant access to top business insurance companies and the most competitive options with netQuote.com. It’s fast, easy, convenient — and free.
Wilkinson Dunn Company offers insurance packages that are tailored to your exact business requirement. Whether it’s insurance for your company vehicles, office buildings, business property, inventory, equipment or other related business items, our insurance professions can protect your assets.
- Commercial Property: covers the risk of property loss in a variety of commercial situation including buildings, equipment, fixtures, inventory, records and other physical items.
- Commercial General Liability: consists of liability coverages protecting you against injury or damage claims made by another person or company.
- Business Automobile: covers vehicles that are owned, leased or borrowed by an individual in your company.
- Worker’s Compensation: applies to accidental bodily injury and diseases arising from the course of employment.
Small Business Insurance in Whitinsville MA & Grafton MA
Your small businesses needs many types of coverage in order to adequately secure itself against losses in the event of certain common business casualties. Common elements of small business insurance include:
- General Liability Insurance: This policy covers a business against claims arising from problems like libel, slander, medical expenses, property damage, medical expenses, and the cost of defending against a lawsuit.
- Product Liability Insurance: If you deal with a product — whether it’s manufacturing, retailing, wholesaling, or just distributing it — you may be responsible for keeping it (and people in the area around it) safe. The amount required depends mainly on the products involved — the larger and/or heavier the products are, the more coverage is needed.
- Professional Liability Insurance: Similarly, if you provide any kind of professional service, you may need coverage for errors, malpractice, and negligence. Some companies are required to have this type of coverage (especially, though not exclusively, those in the medical field).
- Commercial Property Insurance: If your small business owns any kind of physical property (an office, a retail store, a warehouse, etc.), this coverage insures it against a wide variety of natural and man-made forms of damage. If your business is particularly vulnerable to a certain type of damage (flooding, vandalism, etc.), you may need additional coverage for that specific problem.
- Home-Based Insurance: If you’re running a business from your home, then your homeowner’s insurance probably doesn’t cover any of your business operations. You may need to purchase additional coverage separately, or as an extension of your existing plan. Speak to a Gaudette Insurance Agency, Inc. agents to find out.
Many other industry-specific forms of coverage are available. For more information about what policies are the most important for your business, talk to one of our agents and ask for a full risk assessment. You can research forms of insurance through reputable sources—this information is available for free online, courtesy of groups like the National Association of Insurance Commissioners.
INSURANCE REQUIREMENTS FOR SMALL BUSINESS
All small businesses are required to have Workers’ Compensation, Unemployment Insurance, and sometimes Disability Insurance. Other requirements for small business insurance vary by industry, as well as local, state, and federal law.
WHAT CONSTITUTES A SMALL BUSINESS?
The exact definition of a small business varies by industry, but according to the Small Business Administration, it’s usually 500 employees or less for mining or manufacturing, and $7.5 million or less in revenue for other industries. Note that there are many exceptions to this rule, and they are listed in detail on the Small Business Administration’s website.
As a business owner, you take calculated risks everyday in order keep your business thriving. But what about the risks you haven’t considered? Business insurance N. Kitchener is an excellent way to allow you to concentrate on profit without being blindsided by unexpected liability.
Regardless of what line of business you work in, business insurance can protect you in a host of ways, including:
- Costs associated with the loss of property
- Risk of business interruption
- Protection from lawsuits
- Worker’s Compensation
The costs associated with a business insurance policy are small compared with the large risks that you’ll protect against.
If you currently rely simply on property insurance, you are protecting your assets but not the business itself. If there’s a business interruption or a lawsuit, you need business insurance to ensure that you can keep going.
Ontario Business insurance is a collection of protective insurance policies for any business owner to protect against some of the greatest risks in business. It can shield you from losses arising from property, employee, or customer claims.
Here are two reasons to get started right away!
- Your business is valuable; don’t let another day go by without shutting the door on risk.
- It’s easy and quick to get a no-risk quote for a business insurance policy. Just fill out this simple form and we’ll get back to you quickly to craft a surprisingly affordable business insurance policy tailored to your needs.