Small business is the backbone of the American economy. As the owner of your own small business, you know it takes a lot of hard work and dedication to keep things running smoothly. The last thing you need to worry about is facing a possible loss. As a small business ourselves, we here at Tolbert Tower Insurance know first-hand the challenges and risks you face on a daily basis. We aim to protect and preserve your assets to ensure you can continue doing what you do best for many years to come.
Small Business Coverage Needs
When you choose Tolbert Tower Insurance, you are partnering with a team that is committed to protecting your success. We offer a wide range of coverage types to fit the needs of businesses from many different types of industries. Some of the most common small business coverage types include:
This coverage is designed to safeguard your business income and assets against expensive litigation if you are at-fault for a third-party injury or property loss. Lawsuits abound in today’s society, and having the right general liability limits can help protect the financial stability of your business if you are sued.
Commercial Umbrella Insurance
Commercial umbrella insurance protects against major lawsuits that could otherwise thrust your business into financial ruin. This coverage is secondary to other types of liability insurance, kicking in only when damages exceed the limits of your coverage. Commercial umbrella policies typically come with very high limits worth several million dollars, which can be used to cover legal expenses, damages, judgments, and more.
Workers Compensation Insurance
The law requires you to provide employees with a safe working environment and protect anyone who is injured on the job. Workers compensation insurance helps pay for medical bills and lost wages if your employee is injured in the workplace.
If your business catches fire or is damaged in a storm, property insurance helps pay for repairs. This coverage insures the physical structures of your business against specific perils, such as theft and vandalism. If your business is a total loss, it can also help you rebuild and start over again with as little out-of-pocket costs as possible.
Business Interruption Coverage
Your financial obligations do not halt just because your business comes to a temporary stop. Whether a piece of machinery goes down or you are in the process of rebuilding after a major loss, business interruption insurance can help pay ongoing bills and other expenses until you can resume normal operations and begin generating cash flow again.
Commercial Auto Insurance
Commercial vehicles should be adequately insured the same way that personal vehicles are. We offer commercial auto insurance that helps cover your liability for an at-fault accident and also protects your vehicle against damage from collision and non-collision events.
What other types of risks do you face in your industry? Perhaps you need professional liability coverage for negligence, errors, and omissions in the services or advice you offer customers. Maybe you could benefit from employment practices liability insurance (EPLI), which helps protect against litigation due to accusations of unlawful treatment of employees and job applicants. Whatever your risks, chances are we have the coverage you need to minimize your exposure.
Brownsburg Small Business Insurance Quotes
Here in Brownsburg, local companies are still in the business of providing personalized customer service that goes the extra mile. That’s what we strive for here at Tolbert Tower Insurance, as well. If you are the owner of a local business, we want to be your go-to source for small business insurance solutions. Call us today to schedule a risk consultation and request your quotes. We look forward to serving you soon.