Small businesses are the foundation of our economy and the heartbeat of our community. As a business owner, you work hard to bring your ideas to life and make your dreams a reality. More than just money, you have invested your time and effort into your company. Make sure to protect it with small business insurance from Smart Move Insurance. We can help you get coverage that minimizes your vulnerability to risk and meets your unique needs, whether you are just starting out, planning to expand, or you’ve been in business for years.
Types of Small Business Insurance
There are many types of small business insurance. Your coverage needs will vary depending on your industry, the size of your business, and your individual risk factors. Our goal is to help you build a coverage plan that protects you, your employees, your customers, and the continuity of your business. Examples of common small business insurance types include:
Property Insurance
Many things can threaten your business, from fires and storms to theft and vandalism. Property insurance covers damages to your building structure, equipment, furnishings, inventory, and more.
Business Income Interruption
If you are forced to temporarily close all or part of your business following a natural disaster, fire, or other covered event, this insurance can help compensate your business for its loss of income.
Workers Compensation
If one of your workers is injured on the job, workers compensation ensures he or she has access to medical care, as well as replacement of lost wages during the recovery period. Our coverage options are state-compliant and help ensure your employees can get back to work as quickly as possible.
General Liability
Accidents happen. That is why all businesses of all sizes – both new and old – need general liability insurance. This is coverage that protects your business against financial liability for injuries, property damages, and lawsuits.
Commercial Auto Insurance
If you operate vehicles for business purposes, commercial auto insurance can ensure that you, your vehicles, and your drivers are covered from collision and comprehensive damages to your vehicle to liability protection and medical payments for injuries and third-party damages.
Commercial Umbrella Insurance
If you are sued beyond the limits within your liability insurance, commercial umbrella insurance can help pick up where your primary policy leaves off. Instead of liquidating your assets or being forced to close your business, umbrella insurance can take care of your liability when a lawsuit might otherwise cost you millions.
Employment Practices Liability Insurance (EPLI)
If an employee or former employee sues you for unlawful employment practices, this coverage can help cover your costs. Even if you are not found liable for a violation of employee rights, EPLI can still help cover your legal fees and defense costs.
Errors and Omissions Insurance (E&O)
If you give advice as a part of your business or provide professional services in which clients rely on your ability to be accurate and correct, you may need professional errors and omission liability insurance.
Cyber Liability
In a world where cyber-crime is growing, what would happen if a systems breach left your exposed your clients’ personal information? Cyber liability helps protect you against financial damages you cause when sensitive information becomes vulnerable.
North Phoenix Small Business Insurance Quotes
If you own or operate a small business in Cave Creek, Carefree, Anthem, or the greater Northern Phoenix area, we want to help you find coverage that protects your bottom line. Contact us today to speak with an independent agent and find out how affordable small business insurance can be.
