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Your Business Insurance Options Explained While your day-to-day operations are complex, understanding business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.
- Fire or lightning
- Aircraft
- Volcanic eruption
- Smoke
- Vehicles owned by others
- Riot or civil uprising
- Hail or windstorm
- Explosion
- EPLI
- Cyber Liability
- Earthquake
- Flood
Additional Coverages
Let the Ryan Hoffstot Insurance Agency Inc., help you choose a policy that will fit your individual needs. Protecting your assets, whether personal, business, or both, is our goal. A well-chosen policy can lessen the impact of some of life’s most common, yet unforeseen perils. We’re here to help when you are considering purchasing this insurance from us.
■ Employment Practices Liability can cover your business if discrimination, sexual harassment or wrongful termination claims are made by present, former or future employees.
■ Property Insurance can fund repairs or replacements for damaged physical assets when disasters like vandalism, fire, windstorms, or hail strike.
■ Liability Insurance can protect against financial losses resulting from claims of injury or property damage caused by you or your employees and your products or services
. ■ Business Crime Insurance can protect against fraud, theft, forgery or robbery. ■ Business Income Coverage (also known as Business Interruption Insurance) allows you to continue to receive income while your business is being restored. It not only helps you to cover expenses needed to keep a business operating after a loss, but it also helps you to replace lost revenue.
■ Cyber Liability and Data Breach provides coverage for privacy breach response services and expenses incurred to notify parties affected by a security breach, including fees and costs related to hiring a company to operate a call center, and reimbursing you for post-event credit monitoring costs for victims of breach.
