The Insurance Solution Agency

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Get Business Insurance That Fits You

Are you a local small business owner? Whether you’re the sole operator of your company or you have several employees, protecting what you’ve worked so hard to build is critical. Carrying adequate coverage can safeguard your business from a wide range of liabilities.

Having worked with numerous small businesses and as the owner of one myself, I can provide valuable insight into the protections you need to have in place.

What Kind of Business Insurance Do You Need?

No two companies are alike when it comes to getting insurance. Everything from the type of inventory you carry to your business model will impact what coverages you need. The following are the most common types of business insurance:
Commercial Property
Whether you have an office, retail store, or auto shop, commercial property insurance is one of the most important protections you can have. Secure your assets against potential losses from fires, theft, vandalism, or other accidents.
Commercial Auto
If you operate company-owned vehicles, commercial auto insurance is a necessity. Much like regular car insurance, a commercial policy provides similar coverage for bodily injury and property damage if your vehicle is involved in an accident.
General Liability
General liability insurance protects your business from claims filed by others for:
Bodily injury to another person
Property damage to someone else’s belongings
Personal injury (defamation, libel, slander)
Workers’ Compensation
If any of your employees gets injured or sick from their job, workers’ compensation insurance provides benefits like:
Payment for medical costs
Replacement of lost wages
Funeral costs
Rehabilitation costs like physical therapycosts
Most states require employers to carry workers’ comp insurance, so it’s important to make sure you’re in compliance with state law.

Additional Types of Business Insurance

Depending on your unique needs, adding additional coverage can protect you from the unexpected. I can help you explore the benefits of options like:
Professional Liability
Protect your company against lawsuits that arise from mistakes made while providing a service or giving advice. This is also known as errors and omissions (E&O) insurance.
Business Income
Replace lost income and ongoing expenses in the event there’s an interruption in business because of a covered loss.
Cyber Liability
If private information is stolen from your business through a data breach, this coverage can help pay for the costs of notifying customers, investigating the breach, managing the crisis, and providing anti-fraud protection for individuals whose data was compromised.
Commercial Umbrella
Umbrella insurance can help cover the difference of the limits of your current liability policies and the amount a claim exceeds those limits.

Coverage for Businesses in Any Industry

Whether you own a restaurant, a real estate brokerage, or another type of business, we’ll work together to create a cost-effective policy that will thoroughly protect your assets no matter what comes your way. With some basic information, you can have a bindable quote in minutes.
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