If you’re ready to start your own business, you may be overwhelmed by all of the items to cross off your checklist, including California business insurance. Not only is insurance one of the most important aspects of your business – you’re investing a lot into your new venture and want to protect your investment – but it’s likely you need more than one type of insurance as you get started. We write commercial insurance with a number of different companies, including The Hartford, which has over 30 different coverage options to help you find exactly what your new business needs.
Like many budding entrepreneurs who are starting a business, chances are that you’re an expert in your chosen field. But starting a business means learning about different fields that may be unfamiliar to you, like marketing, finance and insurance. Fortunately, one of our commercial insurance agents can handle all of your insurance needs, which may include:
• Business property insurance
• Liability insurance
• Workers compensation insurance (if your business has employees)
• Disability coverage
• Auto coverage for company vehicles
Speak with one of our agents so that we can help you determine what type of California business insurancecoverage makes the most sense for you.
Insurance for Home-Based Businesses
Self-employment is a midlife career option that’s growing in popularity. Many Baby Boomers and seniors are starting a business that involves working from home.
There was a time when a home-based business owner’s only insurance option was to purchase a small business insurance policy. These policies were often expensive and provided more coverage than many home business owners needed. Today, there are more options for you to choose from. Our agents will help you customize your coverages for your specific business, so you’re not paying for protection you may not need.
• Do clients come to your home?
• Do you keep an inventory of materials or products?
• Does your business rely on certain office equipment?
• Do you use some of that equipment (such as a laptop) outside of your home office?
• Do you have employees?
All of these factors will help determine what type of home business insurance coverage you need, and how much.
Visit The Hartford’s website for more information on their business insurance packages.
Contact our office to speak with one of our commercial agents.