As a small business owner, you are no stranger to hard work. Whether you are a photographer running a business out of your home or are a local restaurant owner, it takes a special person to run a successful business. At Glass Insurance Center, we understand what it takes to run a local business – we operate one ourselves. We help small business owners just like you find a small business insurance policy to meets your needs. With us, you get more than a great policy and a fair price; you gain the help and support of a team that can advise you in managing your risks.
Many businesses have failed because of losses or lawsuits they were not adequately insured against. Take, for example, a party-planner who meets clients at her home to plan their events. One day, a new client trips over a crack in the sidewalk on the way to the front door. The client sues the planner for damages. Unfortunately, the planner’s homeowners policy will not cover the liability even though the office is located in a private residence. Without the right liability coverage, the party planner finds herself personally responsible for paying the client’s medical bills and other losses out of her own pocket.
Small Business Insurance in Lake Geneva
Small businesses have a wide range of coverage needs. At Glass Insurance Center, we provide a wide range of coverage types, including:
Business Owners Packages (BOP Coverage)
The business owner package is a common choice for small business owners who need coverage for general liability needs. Accidents can happen to anyone – an employee, a customer, or a third party. BOP coverage is insurance that protects you from nearly anything you can be sued for, from injuries and property damages to losses caused by products you sell or manufacture.
Workers Compensation Insurance
Even in the safest environments, employees can still become injured on the job. Workers compensation insurance pays medical bills and provides wage replacement for employees while they recover from their injuries.
If the physical location of your business is damaged, you could suffer thousands or even hundreds of thousands of dollars in losses. Fires, water, storms, and theft can cause damage to your building, equipment, inventory, signage, and more. Property insurance helps pay to rebuild, repair, or replace your losses after a covered event.
Business Interruption Insurance
It takes many moving pieces to make a small business function. When one of those pieces is out of commission, it can shut down or severely limit your ability to generate an income. Business interruption insurance can compensate you for a reduction in income due to a covered disaster.
Commercial Vehicle Insurance
Personal auto insurance does not cover business vehicles. You need a commercial policy that provides liability, collision, and comprehensive protections for vehicles owned and used by you or employees of your business.
Niche-Specific Insurance Needs
Certain types of businesses have insurance needs that are industry-specific. Perhaps you are a real estate agent in need of errors and omissions insurance, or maybe you have a business with unusual exposure to a particular type of risk. We can help you understand your risks and provide coverage that meets your needs.
If you own or operate a small business in Walworth County or surrounding area, contact our office to request you free business owner consultation with our risk management team. We look forward to serving you soon.