Business Insurance Basics

machineryRunning your own business can be a stressful process, just as easily as it can be an enjoyable one.  There is nothing like watching a satisfied customer walk out the door with one of your products.  But when a customer has a complaint, you have some other issue with production, or one of your employees gets hurt on the job, that stressful parts of the business can take over.  Having the right insurance can help.

When you are looking for insurance for your business, it is important to talk with a professional to find out what is available.  Getting the basic requirements like liability and workers compensation are great, but your business is unique.  There may be other insurance types available that will be very beneficial if you ever need to file a claim.

For example, depending on where your business is located, you may be prone to flooding in the area.  Like homeowner’s insurance, your business insurance most likely does not cover flood damage.  You will need to have a separate flood insurance policy in order to protect yourself financially in the event of a flood.

Also, you may not think that your small business could benefit from having boiler and machinery insurance.  But if one of your small production machines breaks down, causing you to halt production and lose profits, you may find that having boiler and machinery coverage will help pay for the lost time as well as the broken machine.

We want to help reduce business related stress by getting your business the insurance coverage it needs if anything were to ever go wrong.  Call us at [astPhone] to find out exactly what type of insurance is available for your specific business.  We can offer you a quote on a policy tailored fit for your business at a rate that you’ll smile at.


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