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What type of insurance do you need?
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Coverage that's designed to protect your restaurant's customers, employees, property, and inventory from unexpected events, theft, illness, and injury.
Made to cover the issues specific to non-profits, like special events and protection for your volunteers, directors and officers, and so on.
No matter what industry you're in, protection is key. With the right insurance in place, you can help protect your business from sudden, catastrophic expenses that come from natural disasters or nasty lawsuits.
Why Do I Need Small Business Insurance?
Every business, big or small, needs some form of insurance. Yes, certain types may not be required or seem relevant to you, but if an unexpected event were to cause your business to close for several months, would you be okay financially? Even more, if a third party were to sue your business, would you be able to cover the cost of the lawsuit?
Even a low-risk business might be susceptible to some ill-fated events.
How Much Does Small Business Insurance Cost?
The cost of business insurance policies depends on the coverage and a number of other factors like the size, location, and materials used in your business. A strip mall bakery might only pay $200 a month, whereas a chainsaw-carving wood sculptor could pay $2,000 a month. Basically, the safer and smaller the company, the cheaper it is.
Is Workers' Compensation Insurance Mandatory for a Small Business?
Depends. Every state but Texas requires workers' comp coverage. And, every state has its own laws and requirements. In some, if you have only 1 employee, you need coverage. In others, you have to have three or more. No matter what, you'll want to make sure you're familiar with the local requirements in your state.
Even if workers' comp isn't required where your business calls home, it’s relatively inexpensive and completely worth it. After all, you wouldn’t want one little whoopsie to crush your big small business dreams, would you?
Am I Covered for Liability as an LLC (Limited Liability Company)?
Being classified as an LLC definitely helps protect your business, while also shielding your personal assets in the event that your company is sued. But, the protection of an LLC doesn't completely eliminate your personal liability. Many small business owners mistakenly believe that a limited liability corporation status is like insurance for their personal assets. But in fact, there are a number of circumstances in which your assets can be at stake, like:
Some of these activities and errors fall into a category called "piercing the corporate veil," which essentially means that a business owner in some way failed to keep a complete separation between personal and business activities. Whether knowingly or accidentally, neglecting to keep your business records straight can put you at risk, even with an LLC in place.
What is a Business Owners' Policy (BOP)?
A Business Owners Policy is insurance that allows a small business (that meets certain criteria) to combine coverage from multiple policies into one convenient package. These days, there’s a BOP for most mainstream businesses, from hair salons to hardware stores, which makes the process easier.
The standard BOP will include:
A Business Owners Policy is a great starting point of coverage that can always be added to, with the help of an independent insurance agent, who can tailor your protection specifically to your business' needs.
Spoiler, it's incredibly easy.
Our agents are free to shop multiple companies, saving you precious time.
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Car? Home? Life? Business? Snowmobile? Get it all at once—together.
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More options make finding the right coverage and price soooo much easier.
In Your Neighborhood
They’re so local, they could be your neighbors. They probably even sponsor your daughter’s youth lacrosse team.
"Had All Our Requirements"
When we needed business insurance for one of our properties, a motel, we decided to go through an independent agent company. It was affordable and the agent knew all our requirements, so we went with them.
"Phone Calls Right Away"
I was on a new venture and needed insurance but I couldn't find the sort of policy I needed through the standard insurances. I ended up using TrustedChoice and it worked pretty well. When I went to their website, I selected two or three providers and I got phone calls from those places quickly.
I needed some LLC insurance, and I did a search and TrustedChoice seemed to rate out the highest. The interactions with their reps were pretty professional and everything went very well with TrustedChoice.
I was looking for business insurance and so far, my experience with Trusted Choice has been good. I went through an independent agent and they were able to quote a broader amount of company.
"Great Option for Niche Business"
I have a very niche business and I’m tough to ensure. I was just looking for any available avenue. The process was relatively easy. Trusted Choice was a good place to look for people and navigating through the website was not a problem.
"Recommended Needed Coverage"
I started a business last month, and I was shopping around for insurance and TrustedChoice was the first one to call me back. I know some people are just worried about their commission, but he let us know what we did and did not need.
"Professional and Knowlegable"
Trusted Choice was very helpful. I was needing some business insurance, and they gave me several different options and potential companies to call. It was very easy and they provided a really good service. The rep was very professional and knowledgeable.
"Great for Professional Liability"
The American Nurses Association told me, “For this particular job, you have to have a certain amount of liability insurance." Trusted Choice was the company that I have my Nursing Malpractice Insurance through and the online experience with them was very easy to do.
"Everyone was Helpful"
Trusted Choice Business Insurance was very helpful. I went through all the questions of if I had a pool, if I had pets and if I have prior insurance that never lapsed. I was happy with the agent that I matched with. I highly recommend them versus some other state license.