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Problem-solving. It’s your strong suit.
But what if a client is hospitalized after falling down your stairs on their way out of a meeting? Or you trip over a laptop cord and topple a priceless sculpture on your client’s desk?
You don’t need analysis to project what a claim could cost you.
So make sure you’re protected from the financial fall-out. With general liability insurance.
If a claim’s made against you for damage to a person, or property, a general liability policy can cover the costs. Including your legal fees, and compensation – if you’re liable. Even if the case is groundless.
So long as the claim’s filed in the United States, its territories, or Canada, your coverage covers claims for:
When a claim’s filed against your business, there are often hidden costs involved. Your general liability policy takes care of these, too. Including up to $250 a day for loss of earnings.
Claims take their toll. On your time, as well as your money. Having the right insurance means firm’s finances are protected. So you can get on with running it.
Our general liability policies start at around $30 a month. But the cost of your coverage will be affected by things like your business’s size, its location, as well as the limits and deductibles you select.
Whatever the cost, there’s a package to suit your particular business needs. And payment options, too, so you can spread the cost to fit your budget.
As for what level of cover you want, you'll need to decide what's best for you. But it's always best to over-estimate. Lawyers' fees, compensation and court costs can go through the roof. So, imagine the worst-case scenario. Then pick a figure you can realistically afford.
Business personal property insurance
General liability insurance doesn’t cover the equipment you use to run your business. You need to add business personal property coverage (BPP) for that. It protects things like your cell and laptop when you’re out and about. And office equipment from your furniture to your potted plants – even if your office is at home.
Professional liability insurance
General liability doesn’t cover professional services you offer. And as a professional, you can find yourself facing a negligence claim, even if you’re not at fault.
If a client claims you made a mistake, or left something out, and it’s cost them, professional liability insurance can pay your legal defense fees. Plus compensation, if you’re liable.
It’s also known as errors and omissions insurance, or E&O, for short. But what’s in a name? All you need to know is the policies do the same thing.
If you store your clients’ sensitive data digitally, have a website, or use email, you’re a target for hackers. Cyber insurance can’t stop you being hacked. But it can take care of the recovery costs. Keeping you in business. And your reputation intact.
Workers’ compensation insurance
Most states require you to have this coverage the minute you hire your first employee. If you don’t, you’ll face penalties. But workers’ comp insurance is worth having anyway. It protects your business from the cost of workplace injuries to your staff. Which can be crippling.
Directors’ and officers’ insurance
D&O coverage protects you, your business, and your personal assets, from a wrongdoing claim. Even if it’s groundless. Because being on the board shouldn’t mean putting your savings and home at risk.
Good question. Glad you asked.
The simple answer is: because we know what we’re doing. Small business insurance is all we do. And that means we know what you need, even if you don’t.
Buying insurance can be a complicated. You’ve got better things to do with your time than spend hours trying to find a policy to fit your exact needs. Like run your business.
So let us do the work for you. We’ll find you the right coverage. Explain why it works for you. And sort it fast, with the minimum of fuss.
But don’t take our word for it. Check out what our customers say about us.
After all, it’s their opinion that really counts.
For advice, a quote or just a quick question, feel free to call me.
I'm Matthew - I'm here to help you.
My direct line is: 978 344 4226.
Call me or request a call and I'll call you back.
Matthew Kelley
Account Executive