Business Insurance

You've worked too hard for your business to let it go uninsured.

As small business owners, Jasic and Mindy have already asked themselves questions about property coverage, liability and business interruption, three very important things that come with a business, and they encourage you to do the same.

For the benefit of your business, also consider Workers Compensation.

Jasic, Mindy or another member of the team would be more than happy to personally sit down with you and do a careful review to make sure you have no uninsured gaps between policies. The Walker Insurance Agency protects what is most important to you.

Business Insurance Policies

Property coverage is often divided into contents and fixed property in a business policy. Contents generally covers things like equipment and inventory while fix property covers the actual building and fixtures. However, it can also be a combined single limit.

The ways that your property can be covered are all risk or specified peril.

Liability coverage generally protects you from claims that arise out of harm your business cause another. Under the liability coverage, even the harm that results from your employees can be covered.

Key questions to ask include do you operate off-site? Serve alcoholic beverages at functions? Sell products that could cause harm? Do employees operate personal vehicles at anytime in the course of doing business?

Business interruption coverage is often overlooked but it shouldn't be. Key questions yo ask include what happens if your business is shut down? Who will pay the bills? Will you be able to resume when everything is back to normal?

Workers Compensation will generally give your business protection against employee lawsuits and medical expenses arising from an injury at work. As an employer, you have a legal responsibility to make your workplace safe. But accidents can happen.