As a small business owner, you understand that it is something that you are both passionate about as well as a way to invest in your future. It is very important for you to have the right insurance coverage to protect your dreams. The business insurance brokers at The Lyman Agency, LLC understands everything there is to know about business insurance that is tailored to meet the needs of small businesses. As a small business insurance agency, we have been helping businesses throughout Connecticut since 2003 to find the coverage that offers them the best protection.
Small Business Insurance
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Understanding Small Business Insurance
Small business insurance is an agreement between an insurance company and a small business in which the insurance company will pay for the value, replacement or repairs of certain covered business losses. In exchange, the small business agrees to pay insurance premiums. Small businesses are able to purchase packages that have the protection of several policies rather than having to choose each policy separately. This can make small business insurance ideal for new businesses. This type of insurance is called a business owner’s policy.
Why Small Business Insurance Is Important
All businesses need to have insurance to protect them in case something bad happens. Even if your business is small, it is possible that you could be sued if a customer or another party is injured on your business premises or suffers an injury because of the service or product that you are offering. You could also suffer property losses or damage, and you might make a professional mistake or omission that could cause harm to others. All of these scenarios could cause substantial harm to your business.
Types Of Coverage
Small business insurance includes the same types of coverage options as standard insurance for businesses through a business owner’s policy. However, you might need additional coverage beyond what is included that you can obtain through separate policies.
You can expect your business owner’s policy to include the following:
- Property insurance
- General liability
- Business income insurance
- Professional liability
- Commercial auto
- Employer insurance
- Employee benefits or group insurance
Finding Insurance For Your Particular Business
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Be Sure With Lyman Insure
At The Lyman Agency, LLC., we understand that your business is unique. You want an insurance agency that is familiar with the business to ensure you have the complete coverage you need.
Lyman Insure™ has the experience that business owners need to protect all aspects of their business. At The Lyman Agency, LLC., we recognize that it is the relationships we establish with our clients that set us apart. Please contact us for a free quote or insurance evaluation. You can be sure with Lyman Insure.