Duluth Business Insurance

Your Complete Duluth Business Insurance Guide

Find the right business insurance policy for you.

A suburb of Atlanta, Duluth, GA is an ideal place for small businesses and entrepreneurs to get their company up and running. Its proximity to the big city presents great growth opportunities, while the small charm of Duluth offers a loyal customer base and welcoming presence. In 2014, Georgia witnessed an impressive 962,085 small businesses, employing 1,500,510 individuals. That same year, those businesses were paid $9,636,088 in losses — the ninth highest amount in the country.

Don't ruin what you've worked so hard to achieve. Let a Trusted Choice® Independent Insurance Agent assess your business risks and find you a comprehensive, affordable Duluth business insurance policy. Our agents aren't tied down to one carrier and can gather a number of quotes that meet your exact needs when it comes to cyber, property and employee-related protection.

It's the most basic form of coverage a business can purchase, and it can protect you from the most simple of incidents. If a customer trips walking out the door, your employee spills coffee on a client's computer or a product causes an injury, you could be held liable. Talk through the details with a Trusted Choice agent today so you can be informed about your insurance options.

  • General Liability Coverage: According to the 2015 Travelers Business Risk Summary, 60% of small-business owners ranked medical cost inflation as their highest concern and over 30% said they felt the least prepared to handle this concern. General liability covers you against common risks, such as falls, slips and personal injury claims. Don't let something small cause big damage to your Duluth small business.
  • Product Liability Insurance: Does your small business sell, manufacture or distribute a product? According to a national study, 71% of product liability awards and 53% of medical malpractice awards by the courts amounted to $1 million or more. If something goes wrong or your product malfunctions, you could be held liable. Get the proper protection from a Trusted Choice agent.
  • Professional Liability Insurance: This insurance covers architects, lawyers, consultants and anyone else who regularly gives advice to customers and clients. Professional liability coverage protects you against personal injury or property damage that results from your provided services. Ensure you have insurance that pays for settlement and other associated legal fees so you can stay financially sound.

Business Interruption Insurance for Duluth Businesses

What happens if a storm, fire or uncontrollable situation causes you to shut down your business's doors? How would you continue to make a profit? That's where business interruption insurance comes into play. Considering Georgia's 2014 gross state product was 0.6% less than the 2014 gross domestic product, your small business can't afford to lose any income. This add-on coverage lets you recover from an interruption and stay financially stable while you're rebuilding or repairing damage.

Property Insurance for Duluth Businesses

In 2014, 119 natural disasters struck the United States — wreaking havoc on cities, without warning. In fact, only 61% of losses from natural disasters were covered, while $9.7 billion of damage was uncovered. Whether it's a simple broken window or completely flooded office space, the right property insurance reimburses you for damage and gets your Duluth small business back up and running in a timely manner. A Trusted Choice agent can talk you through your options and get you on board with a policy that covers all your bases.

Workers' Compensation for Duluth Businesses

The national cost of workers' compensation coverage come in at $1.27 for every $100 in wages, or $612 per employee. Your employees work hard for you, so shouldn't you do the same for them and ensure everyone is fully protected? If an employee is injured or suffers from an illness related to work, your small business could be held liable. Workers' compensation insurance protects your company from legal costs in the event of a lawsuit.

Employee Coverages for Duluth Businesses

Businesses in the Peach State spent $1,566,186 on premiums in 2013 — the 40th highest premium in the country. Annually, health care cost $5,003 for a single person plan and $14,762 for a family plan. While the rates are 11% and 8% less than national averages respectfully, supplying your dedicated employees with comprehensive health care is still a big financial cost. Trusted Choice agents can find an affordable option that is specific to your company and its workers.

Cyber Crime Insurance for Duluth Businesses

Only 22% of small businesses have a cyber/data breach response plan in place. Considering that Georgia ranked fifth highest for identity thefts in 2014, you can't afford to do business without protection. If you or someone you know reported one of the 11,384 identity theft complaints in 2014, you know how much devastation a data breach can cause. Regardless of what kind or how much personally identifiable information you're holding, cyber crime insurance coverage is necessary in today's increasingly technological world. Let a Trusted Choice agent help you find the best Duluth business insurance policy for your unique insurance needs.

Find the Right Duluth Commercial Insurance for Your Business

Local Trusted Choice Independent Insurance Agents know what it's like to dedicate themselves to a small business in Duluth. Our agents can effectively assess your risks and build you a Duluth commercial insurance policy. After looking at a number of quotes from various insurance carriers, you'll receive a customized policy at a rate you can afford.

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