Commercial Insurance

No matter the industry, most businesses need to consider basic protections.

1. Coverage for property and vehicles

2. Umbrella business policies

3. Business and professional liability insurance

These basic protections are a great place to start and a local insurance agent can help you create the right policy to cover your business's needs.

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It's crucial for small business owners to carefully assess their liability risks and consult with an insurance agent or broker to determine the appropriate coverage levels and policy options for their specific needs. Investing in commercial liability insurance can help protect your business from financial losses and legal liabilities resulting from unexpected accidents or lawsuits.

1. Unless you're a team of one, chances are there are employees to think about - which comes with its own set of considerations. Worker's Comp is only one coverage you need to think about. With a team of any size, you should also speak to your local agent about employment practices liability services.

2. Do you have employees who use technology like computers, tablets and cell phones? Data Breach Coverage can help protect businesses who deal with sensitive information. This type of coverage may even be required by law depending on your industry and location. That's why it's best to consult your local insurance agency, like Peterson Insurance Group, who have the knowledge and expertise to provide guidance.

Life throws everyone curveballs, but for small business owners, it can seem never-ending. It's important to be prepared for every eventuality with business insurance - no matter how unthinkable they may be. 

-Crime, Theft, and Fraud Insurance are a good idea for every business. It's never nice to think you may need protection from threats like these, but it's best to be realistic. You can't predict the future so it's better to prepare for it.

-Another coverage option you probably haven't considered is Key Person Life Insurance and Business Continuation. Have you taken the time to think about what will happen if the unimaginable takes place? What would happen to your business, your employees and their families if you were suddenly gone?