Ever hear the old saying that you should separate your business and personal lives? That goes for insurance as well. There are different considerations, budgets and financial liabilities that apply to businesses and are not covered under personal insurance. The right policies can protect your business from financial trouble in case of qualified losses, damage or legal action.

business owners insurance

Business Owners Insurance

Business owners insurance provides package coverage for all of the types of insurance that business owners need. It protects your buildings and business property from damage caused by fire, storms, vandalism, or other causes of loss.

Property Insurance

Business property insurance protects your business from loss to buildings, contents and business income. It can provide funds to help get your business up and running faster after a loss, and can replace any income that was lost.

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liability insurance ohio

Liability Insurance

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

Business Auto Insurance

Your most likely catastrophic loss comes from vehicles you have on the road. As a business owner, you need the same kinds of insurance coverage for the vehicle you use in your business as you do for a vehicle used for personal travel — liability, collision and comprehensive, medical payments and coverage for uninsured/underinsured motorists.

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bonds

Bonds

A bond is a guarantee of payment by an insurance company on behalf of a business. Sometimes your business might be required to provide a bond to someone you’re doing work for. This often includes a municipality or general contractor.