You’re a small business owner in Ohio. That means you work long hours to follow your passion and build something for your family and the people who work for you. Whether your business started as a hobby you grew to love or you inherited the family business, it’s yours and you’ve worked hard to get it where it is today. That’s why it’s so important that you have the right Ohio Small Business insurance policy to protect your small business from whatever life throws at you: fire, storm, theft, vandals, and more. With a small business insurance policy, you can rest easy knowing that what you’re building will be protected when the worst happens.
What’s Included in an Ohio Small Business Insurance Policy?
Every business needs certain coverages to help them weather the storms of life.
General Liability: This helps you when someone suffers property damage or bodily injury while on your business property or in the course of doing business with you. You’re also protected if they decide to sue.
Property Damage: If your equipment, signage, buildings, inventory, materials, or supplies are damaged or destroyed, your coverage helps you replace and rebuild.
Cyber Liability: Even the smallest businesses have websites, internet connections, and computers. Which means you’re in danger of a data breach. This helps you recover and takes care of the liability costs associated with being hacked.
Commercial Auto: Driving your vehicle for business purposes means you need a commercial auto insurance policy. Your personal policy won’t cover the accident that occurs when you’re working.
Umbrella Policy: All it takes is one large liability claim to bankrupt your business. An umbrella policy offers additional liability coverage above and beyond your standard insurance policies to help you avoid financial ruin after one bad accident.
Running a small business means you know how to stretch a dime and work with few resources. Let SFM Insurance help you protect and insure your business in a way that fits your budget and keeps you financially sound no matter what life throws your way. Contact us today to discuss your Ohio Small Business insurance options.
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Additional Coverage to Consider
Cyber Liability
You might think breaches and hacks only happen to the biggest businesses, but they’re much more common in smaller companies. How does it protect you? A lot more than you realize.
Directors & Officers
Over the years your company has grown by leaps and bounds, and today, you have a board of directors and officers helping you run your business with sights on growing beyond Ohio.
Life Insurance
Life Insurance can be purchased in two ways -- as an individual or as part of a group policy, usually through an employer. However it’s offered, it’s an important step in securing your family's future.
