Hutchinson is known for the Kansas Cosmosphere and Space Center. With over 40,772 residents that live in this Arkansas River town, Hutchinson is the largest city in the county.
When you own one of the 254,297 small businesses in Kansas, you'll need protection. An independent insurance agent can help you find coverage at a low rate. You can connect with a local expert today and begin your search.
Do You Have Enough Liability Coverage in Hutchinson, KS?
Liability insurance is a big deal. With $4,012,555,000 in commercial claims paid in 2019 alone, your business could be at risk. To ensure that you're covered for all your exposures, speak with an independent agent. In the meantime, check out some of the most common policy options:
Don't forget business interruption insurance
When you have to close your doors due to a catastrophe or loss, this coverage will help. It will pay for regular expenses to keep your operation afloat. Since it can be added to your general liability policy, it's easy to get coverage. Discuss business interruption insurance with your independent agent.
General liability insurance is your main coverage
General liability insurance will cover lawsuits resulting from bodily injury, property damage, and more. This is a primary policy and usually the first one you'll need as a business owner. Get your coverage reviewed with an independent agent.
Did you add cyber liability insurance?
Cyber liability insurance is often forgotten but very necessary. When you're database is compromised, and sensitive information is stolen, you're at risk. An independent agent can help you get coverage for a cyberattack.
Do You Know What Your Property Insurance Covers in Hutchinson, KS?
Most insureds are not aware that their commercial properties aren't insured how they think. The fact is, many business policies on the market only cover up to 80% or less of the building value. They also won't have flood coverage. Take a look at the most common property claims in Hutchinson, KS:
- Severe storms and lightning damage
- Flooding and water damage
- Wildfires and residential fires
- Burglary and other property crimes
While your policy should have coverage for these above exposures, flooding is excluded.
Did you purchase a flood insurance policy?
Since flood damage is not covered under your commercial property policy, you'll need flood insurance. Separate coverage is required if you want a loss to be paid. Contact a Hutchinson independent agent for a FEMA-approved quote.
Worker's Compensation Insurance in Hutchinson, KS
Worker's compensation insurance is required in Hutchinson, KS. It will pay for an employee's medical expenses and lost wages when they get injured on the job. To ensure that you're getting the right coverage, connect with a professional.
An independent agent knows the ins and outs of state laws surrounding insurance. Since worker's compensation is regulated, you'll want to make sure you have the right policy in place. To avoid fines or worse, get with an independent agent for quotes.
How to Add Value with Employee Benefits Coverage in Hutchinson, KS
In order to compete with other companies in the area, you'll need to add value. There are over 604,215 people employed by small businesses in Kansas. Employee benefits coverage can help attract new employees and keep your current staff.
When you contribute to your staff's health insurance, you'll show you care. This can bode well for the productivity of your team. To create a positive work environment, get with an independent agent to put together a package.
Why You Need a Hutchinson, KS Independent Insurance Agent
A Hutchinson independent insurance agent is zero cost to your business. This makes working with one a no-brainer. They have options on coverage and price because they shop with several carriers.
When you're looking for the best policy for an affordable cost, an independent agent can help. Go to TrustedChoice to connect with one of the 423 qualified agents in Kansas.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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