Starting a business should not be so complicated because that was not the initial idea right? Getting the furniture, hiring employees if you have any, getting the best place and location, decoration etc. were some things that got you running around already. You don’t want anything to stop you from achieving your goals and have a successful business. But, it is important that even though it is a small business you consider getting a commercial insurance

Don’t Overthink It

If you are the owner of a small business you should know that you probably don’t need a complicated insurance policy. You can get a very good protection with a simple policy. If you have employees, or commercial auto, it is important that you have an insurance. Unfortunately many small business owners don’t ́t have enough information about insurance policies and how they work.

No matter how small your business is the best insurance you can get would be a general liability insurance. It a good option due to its price and covers the most important claims.  Things happen at all times and unexpected accidents happen now and then. This is why having an insurance is necessary to cover your back from any lawsuit. Believe it or not, an insurance can help you survive and prosper when you are going through a tough time. If you don’t have one, you will have to pay from the business or personal money. 

Your Options

Liability insurance is the best option for your small business. This will help you cover the expenses caused by claims made against your business. You know accidents happen when we least expect them . For example a person visits your business. Unfortunately this person falls and hurts inside your business. He can make a claim against you but if you have a general liability insurance, it will help you recover the costs of the medical treatment.

If you think that you need a more complete insurance policy, there are always different options to choose from. A general liability insurance can be a different option. Different from the first option, this type of insurance can help you cover the cost of claims of a fault that your business committed in the service or products that you provide. There are many kinds of insurance you can get as your business grows, such as a commercial property insurance which will protect your assets, also a personal liability insurance which will protect you from a claim made by a client who claims that he  was affected by an action committed by your business and this cost him money. This is difficult to believe but it sometimes happens. Have you heard about cyber liability insurance? This will protect your network and database from hackers who want to steal confidential information. 

 A small business shouldn’t really worry about what will happen in the future regarding claims and insurances. Especially if you are an entrepreneur, you should focus on the business and make it run the best way possible. As we mentioned before, having a general liability insurance will be the best option. But, if you would like to learn more about this topic and have further questions about the different types of insurances there are for small businesses,  you can contact us at and we will gladly assist you.

Hightower Risk is a premier online provider of commercial insurance for small and mid sized companies throughout the United States. To learn more about our services, call 800-207-2150. 


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