Business insurance is as important to your business as the products you sell, the customers you serve and the people you employ. As a business owner or manager, you are exposed to a myriad of liability that, without proper insurance coverage, can be devastating to your livelihood. Owning and operating a business takes not only a huge personal commitment, but a giant financial investment that you need to protect. There are so many types of business insurance policies that getting properly covered will take the help of a seasoned insurance professional. At PSI Insurance Solutions, we specialize in not only making sure you’re covered for every potential pitfall, but covering you as inexpensively as possible. We’ll take the time to understand the nuances of your business and recommend the best coverage program possible—so you’re not under or overinsured.
There are a number of steps we’ll take when determining your coverage needs. First, we’ll get educated about your business so we can help to assess your risk factors. We’ll explain insurance requirements for employers in your state, what general liability insurance covers, and what level of property insurance you’ll need. Even if you own a home-based business, you’ll need business insurance—most homeowners policies will not cover home based business. If you manufacture products, you’ll likely need Product Liability coverage. If you’re a physician, you’ll need malpractice insurance. If you’re in advertising, you may need errors and omissions coverage. Do you have equipment you rely on to manufacture a product or run your company? You’ll want Commercial Property coverage to protect you against fire damage, vandalism, theft and peril-specific coverage like business interruption. Do you hold patents and trademarks? You may need Intellectual Property coverage to protect your intellectual assets.
Insuring your business can be overwhelming—and expensive—if your agent doesn’t have a clear understanding of your needs, and the business laws and regulations in your industry. With Personal Shopper Insurance, we’re with you each step of the way. We represent you, and we’re always just a phone call away when you need us. We do what it takes to get you covered!