The opportunity to start and build your own business is part of the enduring promise of America. Every business, large or small, faces risks that can derail that dream without proper insurance protection. Those risks include everything from employee safety, product or customer liability and property risks, to the cost of business interruption, malpractice, fraud and embezzlement, cyber-crime and data loss.
To be sure, business insurance is complex. It takes an experienced insurance agent like the professionals at Alliance Insurance Services to help you choose the right coverage for your business, from commercial vehicle insurance and general liability, to workers compensation and group health insurance coverage. Every company needs commercial insurance coverage specifically designed for the risks of the enterprise. That’s why independent agents handle over 50 percent of commercial insurance policies in force today.
The types of insurance coverage you need for your business depend on a variety of factors. For example, do your employees handle money, dangerous substances, sensitive data or expensive merchandise? Your enterprise may require professional liability coverage for errors and omissions, as well as general liability or contractor’s liability. Or you may need specialty coverage, such as inland marine coverage, landlord insurance or commercial tenants insurance, to name a few.
Small-business owners tend to believe they do not need protection from fraud, but it is a business risk that nearly every commercial enterprise can experience because the operation of business involves the exchange of money for goods and services.
You may also want to provide certain benefits for your employees, such as group health insurance, short-term or long-term disability insurance or group life insurance. A high-quality employee benefits package shows that you are a good employer, which will help you attract the most talented job candidates.
The list of factors used to determine your risks as a business is a long one and requires careful evaluation. It includes how you serve your customers, how many employees you have, the materials or substances your employees handle, whether your employees drive on the job, the safety of your building and equipment, and the security of your data and intellectual property.
Your Alliance Insurance Services agent can ensure you do not leave gaps in your business insurance coverage that could lead to financial risk. The worst time to find out that you need coverage for a problem is after the incident has occurred. Call and let us help you protect your business today.
The Alliance Insurance Services Guarantee
At Alliance Insurance Services, we believe that when it comes to selecting an insurance agent, the most important factors are Protection, Price, and Service. Protection of your most valuable assets is what insurance is all about. As your business insurance agent, it is our job to make sure you are adequately insured.
As an independent insurance Agent, we represent more than 20 top-rated insurance companies. This means we shop your business insurance for you, offering you the best possible coverage for the best price.
When you have a question, concern, or problem, we are here for you! We have offices in Winston-Salem and Walnut Cove. And our Summit Square Boulevard office in Winston-Salem has extended hours (until 6pm Monday thru Friday) and every Saturday for your convenience.