Business Insurance

You’ve put more than blood, sweat, and tears into your business. You’ve put in a lot of time, money, and dreams, too, and losing those now would be unthinkable. Your risk as a business owner is exponentially higher than the risk of an individual, but that doesn’t have to mean you aren’t protected. We believe in protecting your hard work and dreams by helping you get the business insurance you need—nothing more, nothing less.

Types of Business Insurance

You know that running a business is tough because so many things could go wrong. People are quick to sue over anything, pricey inventory can be destroyed, and products can go horribly wrong. That’s why we offer more than one type of business insurance—to protect you where you need it most.

  1. General Liability—General liability insurance covers legal risks like accidents, injuries, client property damage, negligence, slander, and libel. This is the insurance you want if a client trips over a rug in your office, an employee breaks a client’s computer, or an advertisement infringes on someone’s copyright.
  2. Product Liability—Product liability insurance protects you from financial fallout if your product has a defect that causes injury or property damage. If you find out your toaster catches fire on its five hundredth piece of toast, this is the insurance you want to have.
  3. Employer Practices Liability (EPLI)—EPLI helps protect your business from lawsuits by employees over violations of employee rights (discrimination, sexual harassment, wrongful termination, invasion of privacy, etc.). Even if you think your practices are sound and this could never happen to you, it’s still a good idea to consider it so you won’t be blindsided if an employee takes you to court over a claim you never saw coming.
  4. Contents Replacement—Contents replacement insurance (or commercial property insurance) can protect your inventory, furniture, computers, and more in the face of a catastrophe, like a fire or theft. It can help you replace your lost property and get back on your feet quickly.

Not every business needs all of these, and we’re not here to sell you every kind of insurance there is if you don’t need it. We’re here to help you figure out exactly what you need to cover your risks and protect your investments.

Schedule an appointment with Adkins Insurance Agency to assess your needs and decide what kind of business insurance is right for your company.