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Get The Business Insurance You Need
The protections you get from choosing a business structure like an LLC or a corporation typically only protect your personal property from lawsuits, and even that protection is limited.
Business insurance can fill in the gaps to make sure both your personal assets and your business assets are fully protected from unexpected catastrophes.
In some instances, you might be legally required to purchase certain types of business insurance.
The federal government requires every business with employees to have workers’ compensation, unemployment, and disability insurance.
Some states also require additional insurance. Laws requiring insurance vary by state. Brier Grieves is licensed in over 40 states, so we can find out the requirements for your business.
Common Types Of Business Insurance
After you purchase insurance that’s required by law, you can find insurance to cover any other business risk. As a general rule, you should insure against things you wouldn’t be able to pay for on your own.
Speak to one of our agents to find out what kinds of coverage makes sense for your business, and compare terms and prices to find the best deal for you.
Here are the common kinds of business insurance to look for.
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.
Errors and Omissions
Provides protection for your professional services business from claims of negligence or failing to perform your professional duties.
Business Owners Policy
Includes general liability insurance plus coverage for your business property, including furniture, equipment, tools, and other assets you need to conduct your business.
Protects you from the costs associated with an employee’s work-related illness or injury. Penalties and fines may be assessed on employers who do not have workers comp insurance.
Cyber security insurance can protect your business from cyber-attacks by providing the tools necessary to prevent an attack before it occurs, detect an attack early, and minimize the damage.
This coverage protects against financial loss as a result of a defective product that causes injury or bodily harm.
Commercial property insurance protects your business against loss and damage of company property due to a wide variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism.
Coverage that’s added to homeowner’s insurance as a rider can offer protection for a small amount of business equipment and liability coverage for third-party injuries.
Four Steps To Buy Business Insurance
- Assess your risks. Think about what kind of accidents, natural disasters, or lawsuits could damage your business. If you need help, the National Federation of Independent Businesses (NFIB) provides information for choosing insurance to help you assess your risks and to make sure you’ve insured every aspect of your business.
- Find a reputable licensed agent. Commercial insurance agents can help you find policies that match your business needs. Brier Grieves Agency was recognized as Agency of the Year by Nationwide Insurance and is a Trusted Choice Agency.
- Shop around. Prices and benefits can vary significantly. Brier Grieves will help you compare rates, terms, and benefits for insurance offers from several different coverage providers.
- Re-assess every year. As your business grows, so do your liabilities. If you have purchased or replaced equipment or expanded operations, you should contact us to discuss changes in your business and how they affect your coverage.
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Break Away From The Mold Of The Traditional Insurance Agent.
We know that many, if not all, insurance agents/brokers talk about traditional new offerings focused on lowering your premium, claims management, plans, and upcoming renewals. Some may even provide technology services focused on the pains of your HR department. But what about injuries on the job? New exposures like cyber-attacks? Preparing for OSHA compliance audits??
Did you know? Fines for failure to comply with general OSHA requirements OSHA fines average $2,200 per fine and, and amount to over $6 million per year!
From compliance to communication, Brier Grieves Agency provides a full spectrum of solutions for you and your company. We understand the challenges today’s employers face and know you’re asked to take on more than ever. Expect more from a broker- expect our full spectrum of solutions. Expect the best, Brier Grieves Agency.