Your business is important to you. In today’s economy, you would do anything to safeguard your company.
Small Business Insurance is an important way to make sure that your business is covered from unforeseeable issues in the workplace. Whether it is protection for liability lawsuits, workplace injuries and workers’ compensation, or employee life insurance, here at Ben Brown Insurance we want to help your business grow, thrive, and survive. As a local business, we understand the importance of protecting your workers and your company.
Part of helping your business prosper is up to us, as insurers, to offer solutions for problems before they even occur. So, what types of insurance policies are important to know and understand for small business owners?
Property & Liability Insurance – Unfortunately, your establishment is prone to disaster. Your company is also vulnerable to legal cases against it. This type of business insurance policy will help you if:
a) Your office is destroyed by fire, vandalism, or some other disaster.
b) Your business documents are lost or destroyed.
c) A customer files a lawsuit against you or your company.
d) Your business is forced to shut down, eliminating your source of income.
Commercial Auto Insurance – Many companies have company cars that employees are required to drive while on the job. Other companies require employees to drive their personal cars for business conduct. This type of policy is for those situations. If someone gets into an automobile accident while on the job, this type of insurance will cover the accident.
Workers Compensation – We all hope it will never happen at our company, but unfortunately there are thousands of injuries that occur at work everyday. This type of insurance policy will help you avoid a lawsuit and will help cover the expenses (or lost income for your worker) associated with the injury.
Does something still not making sense? We would be happy to explain more! Call or email us for more information or to discuss a policy with one of our agents.