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Business Owners Policy

When developing your small business, make certain getting a Business Owners Policy is part of your plan.

Perhaps you’ve been in business a while and think you are too small to get a policy.  Don’t sell yourself short.

You invest your time, money, and hard work in your business.  That investment deserves protection.

A Business Owners Policy Covers the Unexpected

Small businesses fail for a number of reasons.

  • Poor sales
  • Negative cash flows
  • Cutthroat competition

The Insurance Information Institute (III) says events covered by a Business Owners Policy should not be one of them.

Business Owners PolicyWhether it’s a fire, burglary, or damaged equipment, the right policy can get you back on your feet.  Finding the right policy will depend on the type of business you have.

Does your business employ people, or are you a one-person operation?  Will it require an office location, or can you work from home?  Does your business require you to drive?

Answering these questions helps your agent build the type of policy that’s right for you.

The All Business website says that a Business Owners Policy is designed specifically for your business needs and budget.  These policies can combine commercial property and general liability insurance.  This combination allows you to buy a single policy at a lower cost than buying two separate policies.

Of course, since these are customizable, you can add different kinds of coverage to meet the specific needs of your business and industry.  If your business deals with customer data, you may want coverage to cover potential data breaches.

Additionally, you may want to consider business interruption coverage.  This helps you recoup lost income in the event you are unable to operate your business.  This could be due to a fire or natural disaster.

Because the Keating Agency is an independent insurance agency, we have relationships with more than two dozen companies.  This means we can explore each one to find the policy and price that meet your specific needs.  It also means that we look out for the best interests of our clients, not the companies that insure them

For 50 years, the Keating Agency has been your local, independent insurance agent.  We are here for you.  Give us a call.

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