Salina, KS, is a trading hub for wheat and known for its milling. This agricultural town is also home to universities and colleges. With its 46,994 residents, it has a lot to offer.
When you're one of the 254,297 small business owners in Kansas, you'll need protection. An independent insurance agent has access to the best carriers on the market. Connect with a local adviser and start searching for a policy in minutes.
How to Protect Your Salina, LA, Employees and Cash Flow
If you have employees in Salina, KS, you'll need worker's compensation to comply with state law. Worker's compensation will supply coverage for an employee's work-related injury. It pays for medical expenses and lost wages, so you don't have to.
If you do not want to share the responsibility of an ongoing expense when an employee gets hurt on the job, you need coverage. Fortunately, an independent agent can help. Speak with a Salina adviser to get started.
Employee benefits coverage—how to attract and retain staff
Kansas has over 604,215 people employed by small businesses each year. In order to stay ahead of the curve, you'll need to add value. Employee benefits coverage can do just that. It will contribute to your employees' healthcare costs and more.
Your team takes care of business and taking care of their largest expense will help. To put together a creative package, connect with a local adviser. An independent agent can show you the options that make the most sense.
Does Your Salina, KS, Commercial Property Have Insurance?
Catastrophic events can cause property damage that will leave you out of funds if you're not insured. Most commercial property policies will only cover 80% of the total building value. That means you're on the hook for the first 20%. Discuss your property insurance with a trained professional. Take a look at the most common property claims in Salina, KS:
- Severe storms and lightning
- Flooding and water damage
- Wildfires and residential fires
- Burglary and other property crimes
Flood insurance—do you have the right policy?
Most insureds aren't aware that they don't have coverage for flood damage when a loss occurs. When you're standing in an inch of water, you'll be without insurance if you didn't obtain this policy. Get with your Salina independent agent for quotes.
The Different Types of Liability Coverage in Salina, KS
Kansas had $4,012,555,000 in commercial claims paid in 2019 alone. The right coverage for your business has never been more important. To ensure you're getting all the liability insurance you need, consult with a professional. In the meantime, take a look at some liability options to discuss with an independent agent:
General liability (GL) insurance
Your GL insurance will help pay for a lawsuit arising out of bodily injury or property damage. Some owners get the bare minimum in coverage, which can cost them more in the long run. Get with an independent agent to review your business insurance.
Business interruption insurance
Business interruption insurance will pay for your expenses when a claim shuts you down. This coverage can last for up to two years and help you avoid going out of business for good. Connect with an independent agent for help.
Cyber liability insurance
If your business uses email, you're at risk. Business interruption insurance will help your company pay for a claim when you're sued for stolen data. Client and employee information can be hacked under your watch, and you'll be held responsible. Speak with a local adviser for a full policy review.
Why You Need a Salina, KS, Independent Insurance Agent
When you work with an independent insurance agent, you get options on coverage and pricing. They do the shopping for you at no cost to your business, which saves time. When you're looking for the best rates, an independent agent can access dozens of carriers for comparison.
Get connected with a local expert on trustedchoice.com. They have a network of over 473 knowledgeable advisers in Kansas to help. Use the find-an-agent resource to begin.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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