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Business Insurance

All businesses, from the small independent contractors and home-based business to large corporations and offices, need to make sure their liabilities and assets are properly insured. Many of the coverages are the same or similar to those found in a homeowner or auto insurance policy. Every business, however, is unique. There are a multitude of coverages available, for everything from employee dishonesty to professional liability to equipment breakdown coverage or workers compensation. Most claims arising from a "business pursuit" are specifically excluded from a homeowners or personal auto policy. The following are some common situations many people think they have coverage for, but find out differently after a claim:

  • Stay at home mother who watches children in her home during the day for a profit
  • College student who delivers newspapers or pizza's at night using his or her personal automobile
  • Real estate agent who drives clients around in her personal automobile while showing properties
  • Accountant who has a home office where clients meet him for appointments

  • If you are unsure of what does or does not constitute a "business pursuit", are thinking of starting your own business, or would just like to make sure your business is properly insured; contact one of our licensed professional agents today. You have enough to worry about running the day to day operations of your business, doesn't it make sense to have an agent you can trust to make sure you are properly insured? So whether you're a one-man contractor just starting your own business, or a growing long-standing corporation, give us a call. That way you can sit back and let us take care of worrying about which coverages are right for your particular situation, while you focus on growing your business.