In business, anything can happen at any time. Someone can get injured…an angry employee might sue…your database may be compromised. Not everything will be covered by your basic business insurance policies in Alliance.

Before you’re faced with skyrocketing expenses, major headaches, and unplanned threats, find out what kind of insurance you may need that you overlooked in the past.

Commercial Auto Insurance: If you use your own vehicle for business, own one or more business vehicles, or allow employees to conduct business with their personal vehicle, you may need a commercial auto insurance policy. Coverage includes damage, bodily injury, liability, collision, and comprehensive coverage. You can also add on additional options for rental reimbursement or trailer interchange coverage if needed.

Cyber Security Insurance: Consider the amount of data you have regarding your customers and employees. Now envision if your business was compromised and that information was stolen or became exposed. You have a big problem. With cybersecurity coverage included in your business insurance policies in Alliance, you’ll be able to take care of your legal responsibilities – notifying everyone affected, investigating the breach, and monitoring their credit for suspicious activity – without going broke to do it.

Employment Liability: No one ever wants to think an employee will sue their business, but it happens. Employment liability will protect you if you face accusations of wrongful termination, harassment, discrimination, or sexual harassment. The amount you’ll pay in premiums is nothing compared to court costs, attorney’s fees, or even a settlement.

Business Income and Extra Expense: You’ve got insurance to protect the building and inventory in case of fire or other disasters. But what about the loss of income you’ll experience while your business is repaired? How will you pay salaries and other regular expenses? A business income and extra expense policy will help cover those expenses for a set period of time until you’re up and running again.

Professional Liability: You and your business were hired to do a job and provide a service using your technical knowledge or skill. You’re also responsible for staying on top of the minimum standards within your field. Mistakes happen, and people fail. As a professional, you can be held liable if any damage is caused by that failure. Liability business insurance policies in Alliance protect you if that happens.

Umbrella Liability Coverage: Not every situation is covered by business insurance policies in Alliance. Some things are so unique they’ve never been considered before. When the craziest, strangest thing happens and it’s not covered under an existing policy, umbrella liability coverage may take over. It also helps cover the cost of the larger-than-expected claims that exceed policy limits by paying the difference.

There are so many insurance options for businesses, it can feel a little overwhelming. Consider your business now and how you want it to grow when deciding what coverage may be best for you.

Don’t lose your business because you couldn’t predict a disaster or lawsuit. Purchase the right insurance coverage and rest easy knowing you’re protected when the worst happens. Call our office today to discuss the details of your business insurance policies in Alliance and what insurance options are available.