Olathe, KS is known for its history and a naval museum commemorating the past. When you own a business out of the 254,297 small businesses in the state, you'll need coverage.
There are over 137,472 residents in Olathe, making it a big town to run an operation. An independent insurance agent can find the policy you need for a low price. Connect with a local adviser to get started today.
Is Your Liability Insurance Enough in Olathe, KS?
Your liability insurance is important and needs to be enough to cover your assets. With $4,012,555,000 in commercial claims paid in 2019, Kansas has some risk for businesses. An independent agent can help you sort through liability coverages that are right for your exposure. In the meantime, check out some of the most common policy options:
Don't forget business interruption insurance
When your business suffers a loss due to a catastrophe , you could have to shut down. In order to ensure that your company stays operational, business interruption coverage will pay for regular expenses. If you're without this coverage, you could be at a huge disadvantage. Get with an independent agent to add this to your policy.
General liability insurance is your main policy
General liability insurance is your business's primary policy. It will cover lawsuits resulting from bodily injury, property damage, and more. This is the foundational policy where all your other coverages stem from. If you want the right protection for your company, contact an independent agent to review.
Did you add cyber liability insurance?
If your business uses email, you're exposed. Your system could be hacked and data stolen in seconds. All it takes is one click, and your entire company is compromised. Cyber liability insurance will protect your business from damages when a cyberattack occurs. Speak with an Olathe independent agent to get the right policies for your operation.
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What Will Your Olathe, KS Commercial Property Insurance Cover?
While some coverage is better than nothing, many policies out there will only pay 80% of a loss. This makes you responsible for the first 20%. An independent agent can go over coverage to make sure you're not paying out of pocket. Take a look at the most common property claims in Olathe, KS:
- Severe storms and lightning damage
- Flooding and water damage
- Wildfires and residential fires
- Burglary and other property crimes
Your business insurance should have protection against all of these risk exposures. There is one in particular that will not be covered under your property policy.
Does your commercial property have flood isurance?:
Contrary to popular belief, flood damage is not covered by your property policy. In order to have this coverage, a separate flood policy is needed. An independent agent in Olathe can quote through FEMA-approved carriers to get you going.
Employee Coverages in Olathe, KS
Worker's compensation insurance is mandatory in Olathe, KS. It will help pay for an employees' medical expenses and lost wages when they get hurt or become ill on the job.
Since this coverage is state-regulated, you'll want to speak with a professional about options. To make sure you're within Kansas guidelines when obtaining insurance, get some advice. An independent agent can help you meet the requirements.
How to add value with employee benefits coverage
There are over 604,215 people employed by small businesses in Kansas. In order to compete with other companies around town, you'll need to offer employee benefits. These contributions will help pay for your staff's health insurance needs.
Employees are a key component in a functional workplace. To get the right team in place, you'll want to add value. Get with an Olathe independent agent to discuss your package choices.
Why You Need an Olathe, KS Independent Agent
When you work with an independent insurance agent in Olathe, you get the best of both worlds. Coverage and premiums are better because an independent agent has options. They have access to several carriers, saving you time and money.
An agent does the shopping for you at zero cost to your business. To make sure your coverage is on point, review it with one of the 423 advisers in Kansas. You can connect with a local expert today.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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