Business Insurance
Business insurance helps protect your small business from financial damages. Having the right coverage is critical in minimizing the negative impact of claims against your business.
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Finding the ideal coverage is a journey that no bigwig should go alone. Our independent insurance agents will be there, water bottle in hand, to coach you through all your options to make sure your company is completely protected.
What Is Business Insurance?
Basically, it's a contract between a business and an insurance company, where the insurer will pay to repair, replace or recover the value of whatever the business has under coverage if it's lost or damaged by a set number of causes.
Why Do I Need Business Insurance?
Every company, big or small, needs some form of insurance. Yes, certain types may not be required or seem relevant to you, but one tiny mistake could leave your company in financial ruin. All because you didn't want to shell out a few hundred bucks for coverage.
Bad things that could happen to your company:
- You could lose your stuff: theft or damage of buildings, personal property or equipment
- You could be sued: product or service causes damage or bodily harm to a customer
- You could make a mistake: professional errors that cause emotional distress
What Does Business Insurance Cover?
Since every business is a bit like a snowflake, they all have their very own unique set of things that can go wrong. It's important to know what your business values the most and will benefit from its coverage.
Basic business insurance coverage can include the following and more:
- Property insurance: Covers loss or damage to your stuff due to fire, storms and other causes.
- General liability: Covers claims for injuries to other people.
- Professional liability: Covers your mistakes that cause physical or emotional injury.
- Commercial auto insurance: Covers work vehicles and certain damage they cause.
- Cybercrime insurance: Covers the loss of customers' sensitive data.
- Employer insurance: Covers Social Security, unemployment and workers' compensation
What Kind of Business Insurance Do I Need?
To find your insurance sweet spot, you'll have to figure out what coverage makes sense and whether the benefits will outweigh the premium costs. To do this, you'll have to answer heaps of questions and make tons-o-decisions, but your patience and effort will be rewarded with peace of mind.
Darnielle Insurance is an independent insurance agency with the ability to shop various providers to offer you a choice of insurance products. We're here to help answer your questions.
TrustedChoice.com Article | Reviewed by Paul Martin
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Darnielle Insurance is available to answer your questions. We are located at 1320 28th Street West, Billings, MT 59102. Give us a call at 406-652-4180.