Business & Commercial Insurance
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Business & Commercial Insurance Information
A lot of time and effort goes into growing a business and making it successful. You face numerous daily challenges whether your Ohio business is a sole proprietorship or a significant establishment. Unfortunately, it can take just one accident, natural disaster or lawsuit to damage your operations, potentially causing irreparable harm.
Why Have Business Insurance?
Business insurance can help protect you from unexpected hazards and financial harm, enabling you to recover financially. Arbutina Insurance Group proactively serves Ohio businesses, helping them create business strategies that address all their insurance needs. Unfortunately, for every business owner, the chances of getting sued have dramatically increased in the last decade. We can help you gain needed financial protection with suitable business insurance coverage.
What Are the Types of Business Insurance Policies?
Business insurance isn’t a single policy but a combination of coverages you can choose to protect your company from numerous risks.
You choose the types of insurance depending on your business’s unique needs and risks. We can help you identify the insurance solutions that may give you the best protection. For example, if your company has employees, Ohio requires you to obtain workers’ compensation coverage from the first date they’re hired.
Other common types of insurance many businesses choose for coverage include:
- General liability insurance can protect your business against common third-party lawsuits, such as customer injuries.
- Professional liability insurance may protect you if a client sues over late, incomplete, or unsatisfactory work. This policy is also known as errors and omissions insurance in some industries.
- Workers’ compensation insurance can help cover your employees’ medical expenses if they have a work-related injury.
Various other types of insurance are available and may be suitable for your business, such as cyber liability insurance, which may cover costs related to data breaches, and commercial auto insurance, if your business owns company vehicles. We can help you explore the types of business insurance that may be appropriate for you.
How Much Business Insurance Do I Need?
Your business is unique with specific operational needs, which means the amount of business insurance needed isn’t a cookie-cutter number. We can help you optimize your benefits by customizing your coverage limits, deductibles and endorsements, so you get an appropriate amount of business insurance.
Generally, the higher level of risk your business faces, the more coverage you may need. It’s critical to protect your company from operational risk, regardless of your business’s size.
Coverage for Your Changing Needs
As your business changes and grows, you may need to add different types of coverage or adjust your limits, deductible, or other coverage options. Arbutina Insurance Group in Brunswick, Ohio, can help you meet the challenges of your business with insurance that can evolve with you. Call us today at 330-412-9588 to start on your coverage.