Manhattan, KS is nicknamed "The Little Apple" and known for Kansas State University. This college town has over 54,832 residents, making it mid-sized.
If you're one of the 254,297 small business owners in the state, Manhattan is a solid place to put down roots. An independent insurance agent can help with coverage and premium options. Connect with a local adviser to get started today.
Does Your Manhattan, KS Business Need Worker's Compensation Insurance?
When you have employees in Manhattan, KS, you're required by law to carry worker's compensation insurance. This will protect your finances from out-of-pocket expenses. It pays for medical costs and lost wages for employees who gets injured on the job.
State-mandated coverage can be tricky. A professional is the best way to obtain coverage. Get with an independent agent for quotes.
Commercial Property Insurance in Manhattan, KS
Did you know that your commercial insurance policy may only cover up to 80% of your building value? That can make you responsible for the first 20% of a loss. Discuss your property insurance with a licensed professional. Take a look at the most common property claims your insurance should protect you from in Manhattan, KS:
- Severe storms and lightning
- Flooding and water damage
- Wildfires and residential fires
- Burglary and other property crimes
Do you have flood Insurance?
While your commercial property policy should have coverage for various losses, it won't cover flooding. Flood damage is insured by a separate flood insurance policy. This can be obtained through an independent agent. Make sure your building has the right coverage.
How to Retain Staff with Employee Benefits in Manhattan, KS
Kansas has over 604,215 people employed by small businesses each year. If you're hoping to keep your current staff members satisfied, you'll need to add value. Employee benefits will contribute to their health insurance and more.
By creating a package that takes care of your team, you can help pay for one of their largest expenses. Connect with a Manhattan independent agent to get a plan in place.
The Different Types of Liability Insurance in Manhattan, KS
In 2019, a whopping $4,012,555,000 in commercial claims were paid in Kansas. Your business's liability insurance is key to having a loss covered. When you're unsure where to start, call an independent agent. In the meantime, take a look at some liability options to discuss with a professional:
General liability insurance is your primary coverage
When you have a lawsuit against your company due to bodily injury or property damage, your general liability insurance will apply. This insurance is the primary policy from which your other coverages stem. It may not be the only one you need, but it's a good start. Connect with an independent agent to discuss.
What does business interruption insurance pay for?
Business interruption insurance will pay for your expenses when a claim closes your doors for an extended period. Usually lasting up to 2 years, this coverage will keep your business operational. When catastrophe strikes, you'll need to be prepared. Contact an independent agent to get this added to your general liablility policy.
Cyber liability insurance is necessary for every business
If your business uses email, you're at risk. A cyber liability policy can protect your company when a data breach occurs. Every business in today's market will need a cyber liability policy. Speak with an independent agent to get quotes.
Why You Need an Independent Insurance Agent in Manhattan, KS
If you use an independent insurance agent, you'll have options others may not. Since they have access to several carriers, you can enjoy better pricing and coverage.
An independent agent works on your behalf at no cost to your business. That makes working with one a no-brainer. Connect with one of the 423 local advisers in Kansas on TrustedChoice.com to start saving.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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