Insuring your business is vital. Anything that interferes with your ability to earn an income could compromise your lifestyle and your plans for the future, and that of your employees as well.
Protecting your business with insurance can be confusing though. There are a lot of different types of commercial insurance coverage that you might need, which might not be obvious or you may not even be aware.
Let us help solve your problem. Theil Insurance Group offers a variety of types of business insurance to fit your needs.
- General Liability – Every business owners policy should have liability insurance, even a home-based business. A general liability insurance policy provides both defense and damages if you, your employees or your products or services cause Bodily Injury or Property Damage to a third party.
- Professional Liability (E&O) – Also known as Errors and Omissions Insurance, these policies provide defense and damages for improperly rendering or failing to provide professional services. Professionals including, but not limited to, lawyers, accountants, independent consultants, real estate agents, insurance agents and hair salons should have this type of insurance.
- Property – If you have a building and/or business property, including computers, office equipment, product inventory, tools and more, you should consider buying a policy that will protect those assets if there is a fire, vandalism, theft, etc. Business interruption and loss of earning insurance should also be a part of the property policy so you can protect your income flow if the business is unable to operate.
- Workers Compensation – This type of policy provides insurance for employees who are injured while working. It is required by law for Wisconsin employers that meet specific requirements. It provides wage replacement and medical benefits to workers who are injured on the job. With these benefits, the employee often gives up the right to sue the employer for an incident. Worker’s compensation insurance can protect you and your company from legal complications that can arise from job site injuries.
- Commercial Business Auto – Commercial auto insurance protects your business’s vehicles, whether they carry employees, products, or equipment. You can insure your work vehicles such as SUVs, vans, and trucks from damage and collisions. If you don’t have company vehicles, but employees drive their own cars while doing company business, you should have non-owned auto liability to protect the company in case that the employee has inadequate coverage or no coverage at all.
- Life Insurance – Do you have a buy/sell agreement with a business partner? Let us design a life insurance program that will fit your business perpetuation needs.
Protect Your Business with Commercial Insurance
You’ve worked hard to build your business, and the steady stream of income is important for your day-to-day life, as well as that of your employees. Make sure you protect it with the right business insurance that covers your needs. At Thiel Insurance Group, we have an experienced team of commercial insurance agents that are ready to suggest a commercial insurance program for your business that will protect your livelihood from unfortunate surprises. From fires and burglary, to protecting your company vehicles and employee benefits, an business insurance program means you can rest easy knowing your company’s insurance needs have been carefully considered.
Contact Thiel Insurance Group for your Free Business Insurance Quote and let one of our agents discuss your coverage options. We can help you make sure your business insurance fits your needs and your budget. Stop into our local offices in Appleton or Kimberly.
