Are you a business owner in Sagamore Hills looking for better business insurance?
If not don’t worry! (lol) We also write insurance policies for every city in Ohio but we are based in Sagamore Hills, Ohio. We can conveniently hop on a call or a zoom meeting with you to discuss your insurance options. 
No matter how large or small your business is, having the proper business insurance coverage is serious business. We’ll review your current policies to ensure that you are always properly covered. It’s hard enough being a business owner so why don’t you let us do what we do best? That is using our knowledge of insurance and products to protect what you worked so hard to create.
We have taken the necessary steps to align our agency with quality, loyal and cost effective insurance carriers so you don’t have to search around. We have already done the homework and continue studying the market for clients. We want to make you so happy with your business insurance that you want to have us as your personal insurance agency also!
Types of Business Insurance
When you just start your new business there is a plethora of things you are juggling. And business insurance is one that is not usually on the top of your to-do list. Whether you are just starting out or you a business mogul, here is a list of different business (commercial) insurance policies you may need.
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- General Liability – General liability insurance (GLI) can help cover claims that your business caused bodily injury or property damage. This coverage is also known as commercial general liability (CGL) insurance.
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- Business Owner’s Package (BOP) – Also known as a BOP, this is a type of policy that packages together elements from General Liability, Commercial Property, and Business Interruption policies. Depending on the eligibility requirements (which vary by carrier), this is a great way for a business to get many of the protections it needs in a single policy.
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- Commercial Property Insurance – Commercial property insurance protects your company’s physical assets from fire, explosions, burst pipes, storms, theft and vandalism. Earthquakes and floods typically aren’t covered by commercial property insurance, unless those perils are added to the policy.
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- Worker’s Compensation – Workers Compensation covers an employee’s lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work.
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- Commercial Auto – Commercial Auto insurance provides coverages such as liability, collision, comprehensive, medical payments and uninsured motorist coverage.
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- Commercial Umbrella – A commercial umbrella policy increases your liability coverage to provide extra payouts that help you cover substantial claims. This type of insurance can feasibly protect your company from any liability claim, including libel, reputational damage, vehicular accidents, product liability, or customer injury.
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- Professional Liability – This policy, common in the professional services industry, helps to protect your business if a client believes they’ve suffered a loss due to a mistake or error made in a professional capacity.
Carriers for Business Insurance
The main misconception I found about business insurance is that it is all the same…risk analysis, quote, pay premium, and stay covered. While those statements are true, there is much more details that go into making sure your business is properly covered for a fair price.
And all that starts with picking the right carrier that has an appetite towards the risk your business poses to them. And all carriers have different appetites and that is where I come into play.
I take the time to research and discover the correct carrier’s appetites and yes throw them a bone (which is your coverage) and they continue to cover you for what is hopefully a lifetime of superior service. It pays to know what type of risks carriers like to take and to match them with their preferred industry.
Take the next step below and enter in your information and a representative will be in touch with you to discuss your business/commercial insurance options.
