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Business Insurance

Choose an appropriate policy for your home, small or global business!

The kinds and amounts of insurance your company needs depend on certain factors:

  • The type of company you run
  • Your location
  • How many employees you have (if any)

Talk with your agent to determine your business insurance needs; they can help you examine your options. First, consider how large of a business you run. Definitions can vary, but they’re typically based on your number of employees, sales numbers, and total earnings. The sections below will help you pick the right category for your business.


Home Businesses

Are you running a business from home?

If so, it’s important to ensure you have the proper insurance coverage in place. Despite making relatively low revenues, home-based businesses make up over 50% of all American companies, according to the United States Small Business Administration (SBA).

As a home business owner, you may have one or zero employees, but that doesn’t mean you shouldn’t invest in insurance. Your homeowners insurance policy may not provide adequate coverage for your business, leaving you exposed to property losses and liabilities.

To protect your home business, it’s crucial to get special insurance coverage that caters to your unique location. The SBA recommends that every home-based business owner should have appropriate insurance coverages in place. Don’t risk your business and personal assets – secure your livelihood with proper insurance coverage for your home business today.

Small Businesses

Running a small business can be challenging, but protecting it shouldn’t be. If you have 50 employees or fewer and make a few million dollars or less each year, your insurer will likely consider you a small business. The United States Small Business Administration (SBA) defines small businesses as independent, for-profit companies that aren’t yet dominant in their fields.

To protect your small business from typical business risks, it’s important to have insurance coverage that caters to your specific business type. While customized insurance policies are available, many insurers offer standard small business policy options that can provide affordable protection for your company.

Typical small Business Owners Policies (BOPs) are designed for businesses with revenues below five million dollars and less than a hundred employees. Don’t let unexpected events jeopardize your hard work and investment – secure the proper insurance coverage for your small business today.

Medium Businesses

As your business grows and expands, it may fall into the category of “medium business” as defined by insurers. The exact definition of business size varies by insurer, but typically if you have between fifty to a thousand employees and annual revenues ranging from ten million to one billion, your insurer will consider your company “medium-sized”. Insurers often offer special policies tailored to meet the specific needs of medium-sized businesses, combining liability and property protections. If your company operates expensive equipment and spans multiple states, it is recommended that you seek out a customized policy to ensure you have adequate coverage. 


Large Businesses: Understanding Insurance Needs

Large businesses are defined as companies with over 500 employees. Depending on the nature of your business, your insurer may have different revenue requirements to join this elite category. Large, complex businesses often carry risks in the millions of dollars, so it’s crucial to have commercial insurance with custom coverages to meet your specific needs.

To manage these risks, many large companies employ experts who can examine the causes of potential accidents or losses. These risk management professionals can recommend and implement preventive measures, create plans to minimize damages and costs, purchase insurance, and make claims on the company’s behalf.

If you own a home or small business, you’ll likely need to perform risk management evaluations on your own. However, small businesses can also hire risk management consultants. If you’re uncertain about the best course of action, consider consulting with your independent insurance agent. Regardless of your business’s size, they can help you assess your risk and ensure that you have the right insurance coverage in place. 

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