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Smart protection for your business

You've invested a lot of time, money and sweat in your small business, so it makes sense to protect that investment with smart insurance coverage. In fact, business insurance should be an essential part of your business operations -- a necessity for safeguarding your business assets, your employees and your livelihood.

But there's no single "business insurance policy," and that's a good thing. If one policy covered all the accidents, lawsuits, and damages a business might face, the premium would be crazy expensive! To help business owners save money, insurance companies offer different policies for different risks.

When we talk about business insurance (also called commercial insurance or company insurance), we're referring to all the types of policies that can help protect your business.

Client & Customer Risk

Consider these scenarios:

- A customer has a slip-and-fall accident on your property: Commercial General Liability Insurance can help pay for immediate medical expenses and lawsuit costs if you're sued over a non-employee's bodily injury or property damage.

- Your client loses money after taking your professional advice: Professional Liability Insurance (aka Errors & Omissions Insurance) generally pays for your defense if a client alleges you made mistakes in your work.

- An employee loses their laptop, exposing your clients' financial information: Cyber Liability Insurance helps cover the cost of notification, credit monitoring, and other post-breach expenses.

- An overserved patron hurts someone at your bar: In all 50 states, a business can be held liable for alcohol-related damage that happens on its premises, including fighting injuries and damage to patrons' property. In 42 states, a business can be liable for damage caused by drunk patrons after they leave. Liquor Liability Insurance can help manage those risks.

Employee Risks

Let's look at some situations where business insurance can help:

- Your employee is hurt on the job. Some industries are inherently "safer" than others, but even office workers can get carpal tunnel syndrome. Most states require employers to carry Workers’ Compensation Insurance, which covers employees' occupational injury expenses.

- An employee sues your business over workplace discrimination. Employment Practices Liability Insurance can cover disputes stemming from the employer-employee relationship.

Property Risks

According to a study by The Hartford, the average cost of a fire is $35,000 for small businesses. If you don't have that kind of money lying around, Commercial Property Insurance is probably a no-brainer. When certain weather events and disasters strike, it can help cover the cost of repairing and replacing your property.

The same study found burglary and theft are the most common small business claims, so whether you rent or own, chances are you could use the protection Property Insurance offers.

Vehicle Risks

It's smart to carry small business insurance if you drive for work, especially if…

- You have a business-owned vehicle. Whether you have a fleet of delivery vans or a single automobile, a vehicle registered in your business's name requires Commercial Auto Insurance.

- You ask employees to drive their personal vehicles for work errands. Your business can be liable for their en-route accidents, and when that happens, Hired / Non-Owned Auto Insurance can help cover lawsuit expenses.

How Much Does Small Business Insurance Cost?

It depends on the type of policy and your business's characteristics. We realize that can be an unsatisfying answer, so let's take a look at what customers pay for their commercial insurance.

On average, our customers spend…

- $48.75 per month for $1 million in General Liability coverage.
- $86 per month for $1 million in Professional Liability coverage.

If those prices sound low to you, you're not alone. Before seeing actual quotes, a lot of small-business owners mistakenly think business insurance is too expensive for them.

References

What our Clients say?

Hear directly from some of the people InsureHound has helped.

The insurance agent that helped me was very knowledgeable, super friendly and worked really hard to get me the best rate for my 'challenged' driving record. She made the overall experience so easy!

Vincent Kira August 02, 2016

Very competent agents and my insurance ended up being half of what I paid previously. Great experience!

Kristin Meolta October 31, 2016

Company information

At InsureHound, we aim to simplify your insurance buying process. We operate exclusively within the State of California and would love the opportunity to help you find the right insurance for you.

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E-mail address:
contact@insurehound.com

(+1) 650 690 2033

Available 9:00am - 5:00pm PT