A comprehensive small business insurance policy can reduce the cost of unexpected losses, such as natural disasters, lawsuits, employee injuries, and more. Agents can discuss state regulations to build an affordable policy.
When it comes to your insurance, we mean business which is why we are the perfect option in Connecticut, New Jersey, and Massachusetts for you to get your small business insurance policy. Encharter understands that your business is very important to you, but saving money to help maximize your profit is also important. The right commercial policy is designed to cover your most important asset against the many losses than can happen. Whether it is a lawsuit, employee injury, or the cost of unexpected losses, our agents can help put together the policy that is right for your company, no matter how big or small.
MA, CT, and NJ each have their own small business insurance requirements, but protecting your business goes beyond just the basics. Every company is different with unique insurance needs and our agents understand this.
Your package may include the following:
- Workers Compensation
- Disability Insurance
- General Liability
- Professional Liability
- Commercial Property
- Commercial Auto
Your coverage may include workers compensation which can provide coverage for medical expenses, death benefits, lost income or lowered wages, rehabilitation costs and much more for your employees. No matter what type of business you have, accidents can happen to your employees. Make sure you have the basic protection of a workers comp policy. Another important policy to have is general liability insurance. You never know when your business will fall victim to a lawsuit or other threats to your business, its assets, or you as the business owner. Having liability insurance can give you coverage from claims or lawsuits against your business. Your agent can help decide the right policy and amount of coverage specific for you and your business’s needs.
The structure of your business will also determine whether or not you need commercial auto or commercial property insurance. There are certain rules and restrictions for commercial auto insurance that our agents can help explain to you when you’re discussing what kind of coverage is right for you. As for commercial property insurance, you need this type of coverage if you have any commercial property – whether it’s a factory or a store front. We can even get you set up with a flood insurance policy to protect your property and inventory from loss. As a business owner it’s important you know the ins and outs of these policies, as well as unemployment, disability, and professional liability insurance.
For more information about a commercial insurance policy for your state, contact our agents for the answers you need. Being a business owner isn’t easy, but having all the coverage you need can allow you to rest a little easier at night. We can help to not only get you the basic coverage, but to make sure you have the comprehensive coverage that it will take to keep you, your business, and your employees best protected. We can help make sure that the gaps in coverage are filled and the coverage on your policy is specific to your industry with just the right amount for your unique needs.