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What type of insurance do you need?
Hazards such as damaging weather, property crimes, and liability lawsuits can often result in very expensive losses for businesses.
Business insurance is designed to protect your company from the financial losses it may face due to due to its various exposures. This coverage can prove quite beneficial as is evidenced by the fact that in 2019 alone, businesses in Hawaii collected more than $1.2 billion in insurance claims.
A local independent agent can help you build a customized business insurance plan that is suitable to meet the specific needs of your particular company.
There are many different ways that companies in the US have benefited from having business insurance. The following are the five most commonly filed claims as well as the average amount collected by businesses for these claims:
Talk to a local independent insurance agent for help determining the specific risks faced by your business in Hawaii, and get advice about the best insurance policies to cover against them.
Business insurance is designed to cover the expenses associated with a variety of potential hazards so that your business doesn’t have to.
If your inventory is damaged, if a severe weather event forces your business to shut down for several week, if a customer files a liability lawsuit against your company, or if one of your employees is severely injured on the job, a solid business insurance policy package can help to make sure that these exposures will not significantly affect your business’s bottom line.
Here’s are a few things you can expect a well-built business insurance policy package to do:
A business insurance policy is not required by law. However, some types of commercial insurance that are often included in business insurance policy packages may be necessary in some situations. For example:
To learn more about coverage that your business may need to have, you can talk with a local independent insurance agent.
Business insurance rates are calculated according to several factors such as:
Coverage needs can vary significantly from one business to the next, so it is a good idea to work with an experienced insurance agent who can help you build a comprehensive policy package for your company. These agents can ensure that you are getting the right coverage for each of your business’s potential exposures while helping you avoid paying for coverage that is not a good fit.
Also, because independent agents can work with multiple insurance companies, they can search for the best price for each type of coverage you need. Sometimes this means building a business insurance portfolio that includes policies from several different insurance companies. Don’t worry. You will still only have one point of contact with your independent insurance agent.
Yes! There are currently 34 independent agencies in Hawaii who are ready to help.
These experienced agents can work with several different insurance providers to find you build a comprehensive and competitively priced business insurance portfolio. Contact an agent near to learn more and to get help ensuring that your business is fully covered against all potential risks.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
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