Valuable, Yet Lesser Known Business Insurance Options

Valuable, Yet Lesser Known Business Insurance Options

One of the reasons working with a personal, professional business insurance agent is so valuable, is that they can take the time to customize a business insurance program specific to your business. Selecting an independent business insurance agent adds the benefit of choosing from multiple insurance companies. While there are “cookie cutter” business insurance plans available, they may not include some valuable, lesser known protections. Here is a quick look at some options worth considering.

Business Interruption Insurance

While you may have your property, inventory and other assets covered by business insurance, what about the income lost while you are rebuilding or restructuring from a covered event? Business insurance can help replace the income you had anticipated to earn while your business was inoperative. This can help you keep valuable employees working while you focus on efforts to reopen. Business interruption insurance can buy you the time you need to recover from a covered loss.

Professional Liability Insurance

If your business offers professional services, consulting or financial management, you should consider professional liability insurance, sometimes referred to as malpractice insurance. This can cover you from claims resulting from mistakes, errors or omissions that may occur during the course of business.

Home-Based Business Insurance

If you conduct business from your home, you may not be fully covered by your homeowners insurance. Inventory, equipment and even liability claims may not be covered. Discuss your home-based business activities with one of our independent business insurance professionals to ensure you are sufficiently covered.

Cyber Liability Insurance

We live in a world where even small businesses need protection from the high costs related to cyber crime. Data breaches and malicious attacks on small business systems can prove to be very expensive, especially if liability claims result from the breach of customer-related data. Contact your independent business insurance professional for details.

Don’t settle for basic coverage when it comes to your business insurance. Let’s discuss your business and your potential risks. See the difference working with a personal business insurance professional makes. We look forward to assisting you.

What Makes Your Business Unique?

What Makes Your Business Unique?

Many young entrepreneurs bring a unique perspective or concept to the marketplace. They may find a niche, underserved area or create a new spin on an established product or service. Have you given much thought to what makes your business unique? It could be your exceptional service. Perhaps you’ve discovered a way to out-compete the competition on price. You may just have uncovered the secret sauce in your industry or you may have a unique approach to marketing. Perhaps it’s your name, location or decor.

No matter what it is that is contributing to your success, you are likely taking steps to protect it.That is, of course, how it should be.

If you have an exceptional, key employee, you don’t want them getting away. You may keep recipes or diagrams in a safe and secure place. You may have employees sign a non-disclosure agreement. Whatever it takes, you protect your key secrets, people and market share at almost any cost.

Yet, interestingly enough, surveys indicate just over 40% of businesses don’t carry business insurance.

That potentially means one customer slip and fall, one employee misstep, one single accident or incident and it could all be gone. Everything unique about the business gone in one unfortunate moment.

No matter how good the ideas, how well-executed the production is or how brilliant all the other aspects…one incident and it could be gone.

Is your business among that 40%? If so, we ask this of you. Contact us to just have a conversation about your business and your goals. Let us at least prepare a business insurance plan to get you started on a better path to protect your unique business. If you don’t like what we offer or feel you can’t afford it, that’s understandable. But to not carry business insurance when you don’t even know its costs seems puzzling.

Protect your unique business with business insurance designed specifically for you. Connect with our team of business insurance professionals today. They will shop through our network of insurance providers to find a plan that best suits you. Contact us today to get started.

Preparing Your Business For Nasty Weather

Preparing Your Business For Nasty Weather

We all know how problematic storms can be in our personal lives and with our personal property. Business owners have the added risks and responsibility of keeping their business equipment, inventory and real estate safe during an impending weather disaster. Here are some basic steps to take.

Have a Disaster Plan

Assign who is responsible for what including securing outside assets to interior valuables. Sharing responsibilities in anticipation of a weather event can help take the pressure off just one or two people.

Have a Safe Place

Designate a safe place for employees in an impending storm like a tornado. This should be a lower level interior area.

Consider an Emergency Generator

Even if it is just for basic interior lighting, a back-up battery or an emergency generator can pay big dividends, especially if power should be out for multiple days. This is particularly critical if your company has perishable supplies or inventory.

Keep Important Data Backed-Up Off Premises

Today there are abundant, cost-effective cloud services that can keep your important data backed-up so you can get up and going again following a disaster.

Make Sure Premises Are Secure

Most will want to be with family if a weather disaster is approaching, so take steps now to make sure you have sufficient security measures in place to protect your property. If vehicles can’t be garaged, use them to help secure the gates and doorways.

Check Your Business Insurance

Will you be covered in the event of high winds or flooding? The time to find out details is before a disaster strikes. When you contact one of our professional independent business insurance agents, they can review your policy with you, potentially finding weak areas. They can then assist in finding business insurance you can feel comfortable with and that you can afford. They can even assist with business interruption insurance should damage prevent you from re-opening immediately.

Don’t wait for bad weather to strike. Get your free business insurance review today.

Business Insurance and Vehicles

Business Insurance and Vehicles

Insuring your personal automobile can be pretty straightforward. While insuring a business can be a bit more complex, our independent business insurance professionals can help. When you combine business insurance and vehicles used for business, you are looking at a whole new set of potential circumstances that can be challenging.

If your business has a fleet of vehicles, for example, it is pretty black and white. Your company is responsible for making sure they are covered. But what about your personal vehicle or employee vehicles when used for work? Let’s take a closer look.

As mentioned, fleet vehicles are pretty clear cut. The difference can be, however, in how those vehicles are used. If they are livery vehicles intended to transport people, they will fall into an entirely different category than those used to deliver packages or work trucks. Work trucks may carry thousands, if not tens of thousands of dollars in tools, parts, and accessories.

If the company owns vehicles that the owner or upper management uses for work and personal use, the company can be held responsible in a work-related accident. The same is even true for a personal vehicle being used for work purposes. Yes, this can include an employee who is involved in an accident, using their personal vehicle, on an errand for the company.

As you can quickly see, situations can be complex and costly if your business is unprepared.

Virtually every company uses vehicles to conduct at least a part of their day-to-day operations. The best place to start is with a conversation with one of our business insurance experts. Talk about your business and discuss any company vehicles that are owned. Tell them about how and when personal vehicles may be used for company purposes.

They will assess your situation and go in search of an insurance company to best protect your interests.

Don’t assume personal auto insurance will cover you for business and vice versa. Get the answers you need by contacting us today.

Our Independent Insurance Consultants: Your Business Insurance Liaisons

Our Independent Insurance Consultants: Your Business Insurance Liaisons

Isn’t it comforting to have experts on your side? A lawyer you can count on, a bookkeeper you trust and a financial consultant who works in your interest? What about help when it comes to protecting your company with business insurance?

One of the most overlooked benefits of working with one of our business insurance specialists is that they serve as your ambassador through the entire business insurance process.You have a human contact to answer your questions, make adjustments and even assist you when making a claim.

Business people are busy. You may not have the time to investigate your business insurance options or even search for the most competitive pricing. Business insurance may not be brain surgery, but it certainly has its nuances that require expert assistance. Our agents can help. They will discuss your business and its risks and even shop through our network of insurance companies to find a plan to suit your needs and budget.

Once your plan is established, you have a person you can connect with as your business grows. They can help in making sure your plan is sufficient as you add products, inventory or as your staff or facilities grow.

In addition, should you have a claim, your business insurance “liaison” can help you facilitate your claim with your business insurance company. Our independent insurance agents work for you, not a specific insurance company. Their goal is to make sure you have appropriate coverage and access to assistance when needed. They are always just a call, email or text away.

You have plenty of choices when it comes to business insurance. We invite you to discover how having your own business insurance representative can be so valuable. Contact us for your no obligation business insurance review and price quote. Discover for yourself the convenience of working directly with one of our agents as your business insurance liaison.

Managing Business Insurance Risks to Save Money

Managing Business Insurance Risks to Save Money

If you want to save money on auto insurance, improve your driving record. Buying life insurance when you are young and healthy will help you get better life insurance rates. Installing safety and security features in your home can result in home owner insurance discounts.

What about business insurance? Are there steps you can take to minimize risks and help achieve lower business insurance premiums?

First, it should be understood that not all steps you take to reduce risks will result in immediate discounts. Long-term, however, fewer claims will result in lower premiums.

Here are some ways you can minimize risks to your business that could result in savings.

Security Systems

Employee theft is a big problem in the U.S. It is estimated employee theft alone accounts for $50 million in losses. Furthermore, one-third of all bankruptcies are the result of employee theft. Add in break-ins and vandalism and theft significantly impacts business. Security systems could result in direct discounts on some business insurance plans.

Improved Background Checks

Not only do your employees represent your business, you are responsible for their actions while on the job. This is why background checks and employee screenings are so vital. Take a little extra time and spend a little more when recruiting and it can minimize your long-term risks.

Better Safety Training

Rigorous safety training can not only reduce on the job injuries and liability claims, it demonstrates your organization’s commitment to safety. Even if an incident should occur, having a solid safety training system in place demonstrates due diligence.

Safer Working Conditions

No matter what type of business you are in, there may be steps you can take to improve employee safety. This is a good example where employee feedback can be valuable. Ask your staff where safety issues may be of concern.

Some business sectors provide specialized training to minimize risks for specific industries. These training and consulting services can result in a more sound, safer work environment. Contact our independent business insurance agents to see if they may also translate into better business insurance premiums.

Wouldn’t It Be Great If…

Wouldn’t It Be Great If…

Do you spend much time thinking about possibilities? For example, wouldn’t it be great if your business had no problems to deal with? No human resources issue’s, a superb marketing plan that is working and few competitors. Wouldn’t it be great if the cash was flowing, your company was debt free, and you could take time off whenever you wanted to.

Yes. Yes, it would.

For most businesses, however, even successful ones, this is just not reality. Days are filled with customer and employee challenges. There are supply line or distribution problems and new competitors seem to be popping up everywhere. Just keeping up with technology can be a full-time task.

Imagine though, if there could be a way in which a whole set of business related worries could be set aside? It is possible, and business insurance is the answer.

With business insurance, you are better protected from financial losses due to break-ins or employee theft. Imagine not having to worry about a devastating fire or storm damage. Worrying about losing your business due to a slip and fall incident can be a thing of the past. It all can be made possible through business insurance.

Business interruption insurance can even protect your income should your business slow or shut down due to a covered incident.

No, business insurance may not fix an employee issue or make a competitor go-away, but it sure can provide an exceptional amount of peace of mind.

Getting started is surprising easy and affordable. Contact us and talk to one of our independent business insurance professionals. They will discuss your business and where you may be vulnerable. They can go to work comparing quotes from different insurance companies to help you acquire the protection you need.

Business insurance may not solve all of your business problems, but it sure can help you from worrying so much about a basket-full of them. Make your business just a bit more care free with a business insurance review and price quote. Contact us today.

Can Business Insurance Keep Your Company From Being Sued?

Can Business Insurance Keep Your Company From Being Sued?

There are a LOT of good reasons to carry business insurance. It can help cover you from financial losses due to theft, storm damage, and vandalism. It can protect equipment and inventory from losses due to a fire. But can it keep your business from being sued if someone becomes injured on your property or because of the actions of one of your employees?

The answer is no.

The reality is that your business can be sued by anybody at anytime for almost any reason. Business liability insurance can’t prevent that from happening. What it CAN do, however, is pretty powerful.

Business liability insurance can cover you from the negative financial impact such lawsuits may have on your business.

First and foremost, your business liability protection can help pay any legal costs you may incur from a lawsuit, whether the suit is justified or not. This is important, because as mentioned, a business can be sued for just about any reason. In this litigious society, some people view a business as having deep pockets. It is comforting knowing that in such instances, liability insurance will back you up on those legal costs.

In many cases where, for example, an injury took place on the property of a business, the insurance company and lawyers may decide it is prudent to “settle” the case out of court. When all parties agree to such a settlement, the cash amount of the settlement could also be covered under liability insurance.

Finally, should a case go to court and a judgement be issued against your business, your legal fees and judgement would be covered up to the limits on your policy.

No, business insurance can’t keep you from being sued, nor can it stop vandalism, theft or a fire. What business insurance does is cover you from potentially devastating financial losses from covered calamities. The peace of mind alone makes it well worthwhile looking into.

If you currently don’t have business insurance or are unsure of your coverage, we invite you to contact us for a free, no obligation review and price quote. Business insurance can be surprisingly affordable, but you won’t know until you call one of our independent business insurance representatives today.

Fuel Your Business with a Blog

Fuel Your Business with a Blog

If you are a business owner, even the smallest of business owners, you can add fuel to your marketing efforts with your own business related blog. Blogs are relatively easy, inexpensive and can help you reach the people looking for products and services you offer. They have the added benefit of positioning you as an expert.

Where To Start

Blogs are generally posted on the writer’s website, but there are also a number of sites that host blogs. Start by coming up with a series of topics you may feel are of interest to your customers and potential customers. If you get the same questions over and over on the phone or through emails, these can be good topic starters.

What to Include

Blogs should contain valuable, actionable tips revolving around your business. “What to Watch for When Buying a Diamond”, “Five Quick Tips to a Longer Lasting Car” and “Avoiding Common Mistakes by First Time Home Buyers” are a few. Blogs can be interesting and entertaining but most of all they should make the reader glad they read it.

How Long Should a Blog Be?

Well written, compelling blogs can be up to 1,000 words, but writers can take some pressure off themselves by keeping blogs to 400-500 words. It is not a bad thing if a prospect reaches out to you with questions.

How Often Should I Blog?

You should blog at least once a week if possible. Keep in mind blogs can be split into a multiple part series if the subject warrants it.

Promote Your Blogs.

Make sure you promote your blog in your emails and social media. Ask people to share and like the info if they feel compelled to. You can also reach out to readers for subject material for future blogs.

Blogs are a terrific way to open a dialogue with customer and prospects, keeping you top of mind when they are ready to make a buying decision.

Finally, keep in mind blogs don’t always have to be directly associated with your business. For example, we blog more often about business related subjects than we do about business insurance itself. We do, however, want you to keep us in mind when it comes to your questions about business insurance or to get a free quote. After all, that’s what blogs are all about!

Down on the Corner: America’s Business Barometer

Down on the Corner: America’s Business Barometer

If you are an investor, there is no lack of indicators you can use to help project future success. There was a time, however, when all you needed to do was pay attention to what businesses were occupying the street corners.

Intersections and street corners are valuable properties and through the years, have been a good indication of businesses that may perform well in coming decades. It is actually still a good indicator. You may never have considered it before but if you are looking to invest in a booming business, just look “down on the corner”


As America grew in the 1700 and 1800s, the banking industry was a big part of it. The challenge for banks? They didn’t really have a tangible product. They could facilitate goals through lending money or provide a safe way to grow money through savings accounts, but their product was money. This meant that banks had to demonstrate visibility, stability and strength to a great degree, through the buildings in which they did business. Banks gobbled up prime real estate on important street corners and intersections and built large marble, brick and stone edifices to demonstrate their strength.

Gas Stations

As American automakers decided to move toward cheap oil to fuel their cars in the late 1800s and early 1900s, oil companies knew intersections and street corners would be the easiest and best locations to attract customers. Street corners had great visibility and offered easy-in and easy-out access. Many of these service stations provided more than just fuel. They sold tires, made car repairs and offered towing services. It wasn’t uncommon to see four major competitive oil companies on each of the four corners of major intersections. This competitiveness still plays a role in our cities today.

Drugstores/ Pharmacies

If there is any doubt that healthcare is big business in America, pay attention to what is popping up on street corners across your city. Odds are, large brand name drugstores have dug in to claim their space, sometimes across the street from each other. The lines in the drive-thru pharmacies can rival those of nearby fast food restaurants. With about 75% of us taking at least one prescription drug, pharmacies are big business, and our street corners are proof.

Sometimes, business indicators aren’t buried in charts or online data. Sometimes they are just a matter of paying attention to what is going on around us.

If it has been a while since your business has had a business insurance review, we invite you to contact us. You can get a no obligation business insurance review and price quote.