It is often said that no one works harder than a small business owner. And for just that reason, you need to make sure that all you’ve worked so hard to achieve is protected. In addition to a debilitating financial loss, your reputation may also be at stake if you experience a problem or incur a liability that prohibits you from delivering your normal goods or service.

The following parameters - all or in part - usually indicate that you need business insurance coverage:

• Your business is located in a detached building, separate from your home;
• You produce ANY type of product;
• You are storing what you make on your premises;
• You are providing a service to others, either on your premises or elsewhere.

To learn what types of coverages are important for you to have, click on core insurance and risk management services. As a smaller business or non-profit organization, you can purchase these various coverages separately or—more economically—as a package.

If you are working out of your home and your business doesn’t fit any of the criteria listed above, click on home business to learn what additional coverages may be available through your homeowners policy.

Other concerns you may have
If you are interested in obtaining a health care plan or other benefits for your employees, click on Employee Benefits, which features a special section for groups with 2 to 49 employees.

If you are concerned about retirement plans, life insurance, investments, business succession planning or other issues of importance to small business owners, click on Financial Services.

If you are a contractor, click here if you require Surety Bonds.

Every organization is unique. We look forward to working with you to identify and manage the risks that can impact your future.