Business Insurance in Dexter Michigan
We insure our cars and houses. If you own a business, you may need to get insurance for it as well. Insurance may seem expensive, but it covers a lot. Plus, some types of insurance may be necessary for your business.
Does your Dexter business need insurance? Contact Hartman Insurance to get started.
Types of Business Insurance Available
There are many types of business insurance available. Here’s a look at some of the most common ones:
- Product liability insurance. This is a good option for businesses that make or sell products. It will protect the business from any financial loss caused by defective products or items that have injured others.
- Professional liability insurance. This type of insurance works well for companies offering services to clients. It will protect the business from financial loss due to negligence or error.
- Business owner’s insurance policy. This insurance is ideal for small business owners. It conveniently compiles several typical insurance coverages into one personalized bundle. Hartman Insurance will help you find the right policy for your business.
- General liability insurance. General liability insurance works for any business, protecting it from financial loss caused by property damage, injuries, medical costs, and lawsuits.
- Home-based business insurance. Have a small business in your home? This policy can cover your equipment and third-party injuries.
Why Do I Need Business Insurance?
There are many reasons why you might need business insurance. They include the following:
- Risk management. It helps protect your business from potential losses due to unforeseen events, such as natural disasters, accidents, or lawsuits.
- Legal requirements. Certain types of business insurance, such as workers’ compensation and liability insurance, are required by law.
- Financial protection. It provides financial coverage for property damage, theft, and other types of losses. This is especially important for small businesses that might not have the reserves to cover such expenses.
- Liability coverage. If your business is sued for damages or injuries caused by your products or services, liability insurance can cover legal fees and settlements.
- Employee protection. Workers’ compensation insurance helps cover medical expenses and lost wages if an employee is injured on the job.
- Business continuity. Business interruption insurance can cover lost income and operating expenses if your business is forced to shut down temporarily due to a covered event.
- Client requirements. Some clients or contracts may require you to have certain types of insurance before they do business with you.
- Peace of mind: Knowing that you have coverage in place can provide peace of mind, allowing you to focus on running your business without constantly worrying about potential risks.
Contact Our Dexter Michigan Business Insurance Agency Today
Business insurance may seem like an unnecessary expense, but it can be helpful in the event of an accident or other unforeseen event.
Hartman Insurance Agency can protect your business so you can focus on running your company. Schedule an appointment today to see how we can help you. Call (734) 999-4190 or fill out the online form.