Business Insurance

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Business Insurance

Protecting your business with comprehensive coverage and personalized service.

Whether you own a small business or a large one, the benefits of business insurance are numerous. And many business owners don’t take the time to assess their insurance needs.

With the many types of business insurance available, determining which coverages will best protect the enterprise makes for a complicated and difficult process. But the consequences of not being properly insured can be disastrous, not only for the business but also for the business owner personally.

Commercial Property

Cyber liability

General Liability

Umbrella

Business Income

Workers' Comp

Professional Liability

Commercial Auto

Why Choose Snowy Range Corp?

Plans built as though you did it yourself.

Although policies can vary based on the type of business that you own,

the basics of business insurance include the following:

This coverage protects buildings, inventory, equipment, tools, and more from potential losses like fires, vandalism, or natural disasters.

While a standard commercial property insurance policy may suffice, it's advisable to consult with a knowledgeable professional at Shurr Insurance for further guidance.

Reach out to us today to explore the best policy options for your needs.

Businesses today are at risk of cyber threats like data breaches, hacking, and stolen devices with sensitive information. It's crucial for business owners to understand these risks and safeguard their businesses with insurance coverage tailored to address these threats. Prevent a cyber security incident from harming your business. Safeguard it with a cyber liability insurance policy that covers liability for data breaches. Reach out to our independent insurance agency today to explore cyber liability insurance options and receive a customized quote for your business.

General Liability insurance shields your business from injuries to customers or damage to property caused by your services. Despite its apparent simplicity, there is often confusion surrounding this insurance coverage.

A personal umbrella insurance policy provides additional liability coverage beyond the limits of your existing homeowner's or auto insurance policy. It offers protection in case you are held responsible for damages or injuries that exceed the limits of your primary insurance coverage.

On the other hand, commercial umbrella insurance provides extra liability coverage to protect your business assets in the event of a lawsuit that exceeds the limits of your primary general liability, commercial auto, or other liability policies. It offers added financial protection and peace of mind to safeguard your business from potentially costly legal claims.

Business income insurance, also known as business interruption insurance, is a type of coverage that helps replace lost income and cover operating expenses if your business is unable to operate due to a covered cause of loss, such as a fire, natural disaster, or other unexpected event. This insurance can help your business recover financially during the downtime required for repairs and restoration, ensuring that you can continue to meet financial obligations and maintain stability during a period of interruption.

Workers' compensation insurance, commonly referred to as workers' comp, is a mandatory type of insurance that provides wage replacement and medical benefits to employees who are injured or become ill while performing their job duties. This insurance coverage helps protect both employees and employers by providing financial support for medical expenses, lost wages, and rehabilitation costs resulting from work-related injuries or illnesses. Workers' comp insurance also helps protect employers from potential lawsuits filed by injured employees, as it typically provides coverage for legal expenses related to such claims.

Professional liability insurance, also known as errors and omissions (E&O) insurance, is a type of coverage designed to protect professionals from liability arising from errors, omissions, or negligence in the course of their work. This insurance provides financial protection in case a client alleges that your professional services or advice led to financial losses or damages. Professional liability insurance can cover legal defense costs, settlements, and judgments, helping to safeguard your business and reputation in the event of a lawsuit or claim. It is essential for professionals in various industries, such as consultants, lawyers, doctors, and accountants, to have this coverage to mitigate risks associated with providing professional services.

Insurance policy that provides coverage for vehicles used for business purposes. This insurance protects businesses and their employees by offering financial protection in case of accidents, theft, or damage to vehicles used for commercial activities. Commercial auto insurance typically covers liability for bodily injury and property damage resulting from auto accidents, as well as physical damage to the insured vehicles. It is essential for businesses that rely on vehicles for their operations to have commercial auto insurance to ensure proper protection in case of unforeseen events on the road.

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More about Business Insurance

One common misperception regarding business insurance is that sole proprietors who incorporate as a Limited Liability Company (LLC) are protecting their personal assets from any lawsuits.

While this is generally true, there are some cases in which an LLC doesn’t protect the business owner’s finances from an unfavorable judgment. As a result, it’s recommended that sole proprietors purchase the different types of Business insurance that would cover the services that their business provides.

The best way to determine what type of business insurance you should purchase is to ask a licensed agent in our office. We can assist you with assessing your insurance needs and provide you with some quotes from several of the top insurance companies.

Frequently Asked Questions

As a business owner, having insurance tailored to your specific needs is essential. Without proper coverage, you leave yourself and your business vulnerable to financial risks.

At our independent insurance agency, we provide coverage from a variety of top insurance companies. To receive a quote, fill out the form below or contact one of our licensed agents.

Business insurance can address a range of claims based on the coverage you choose. Explore our diverse business insurance products in the menu or contact an agent for tailored coverage options.

The cost of business insurance is influenced by factors such as your claims history, driving record, desired coverage amount, and chosen deductible. For a personalized premium quote, please request a quote from our office.

Get in touch today!