As a business owner, you know how quickly things can change for the better or worse. Having the right insurance coverage could spare your company the financial challenges of rebuilding after a disaster, as well as a loss of cash flow during and after a lawsuit. It might even prevent you from shutting your doors and losing everything you worked so hard to attain. From fires and break-ins to general liability, we here at Butler Insurance can help you minimize your risk exposures with insurance coverage that meets your needs and helps create a foundation for long-term success.
Types of Small Business Insurance Coverage
There are several types of coverage available to small business owners. Depending on your industry, the number of employees you have, and the size of your operation, we can point you in the direction of coverage solutions that are right for you. Examples include:
If you have employees, workers compensation helps pay their medical bills, rehabilitative costs if they are injured as a result of job-related activities. It can also cover lost wages during the recovery period and help shield your business from potential lawsuits.
General liability insurance is designed to protect your business against third-party injuries or property damages that your company is responsible for. This could include incidents that occur as the result of the negligence of your staff, as well as accidents that occur on your premises or as a result of your business operations. General liability can help protect you against the cost of defending your business in court, as well as help cover any judgments against your business up to the limits of your policy.
Property insurance is designed to protect the structure of your business, your furnishings, and other physical assets against certain covered events, such as fire, smoke, high winds, theft, and vandalism. It helps cover the cost of rebuilding or repairing damaged property, as well as replacing lost contents.
Other Small Business Coverage Options
In addition to workers compensation, general liability, and property insurance, we can also customize your small business insurance to include a wide range of other protections uniquely suited to fit your needs. Examples include collision, comprehensive, and liability coverage for commercial vehicles, as well as coverage for business interruption due to a covered event. We can also provide coverage against employment practices liability, as well as errors and omissions insurance (E&O) in the event you are sued for giving wrong advice or showing negligence when providing a service to a client.
Business Insurance Quotes for Indiana Businesses
Here at Butler Insurance, we understand the unique risks that Indiana business owners like you face on a day to day basis. We know you need well-rounded coverage with high limits at an affordable price. As your local independent insurance agency, our goal is to find the coverage you need with premiums that maximize your bottom line.
If you are in the market for insurance for your new or existing business, give our team a call to request your free quotes today. We will assess the risk exposures of your business and help you shop and compare coverage options from multiple Indiana commercial insurance providers ready to compete for your business.