Share:

There are a lot of variables to consider when searching for the right business insurance. You might even be surprised by what should be covered, especially when you haven’t been in operation long enough to run into many problems. For help with all of your business insurance needs, count on the expert advice from Cundiff & Company Insurance in Somerset, KY. 

Here are a few things to consider when searching for insurance quotes:

  • kentucky-business-insuranceEven Home Businesses Need Insurance: You might think business insurance is not important when working from home, but the opposite is true. Your business items may not be covered by your home insurance in case of a fire or natural disaster.
  • Freelancers Are Employees Too: Freelance workers may legally count as employees when it comes to liability. Getting coverage for them, in addition to your full-time employees, is crucial.
  • Workers’ Compensation May Be Required: Look into your state laws to see if workers’ compensation is required. Even if it's not, it's a great way to provide for your employees and avoid liability in the case of an accident.
  • Don't Forget Benefits Liability: If your health insurance doesn't cover your employees adequately, you may get sued for not providing suitable options. Benefits liability protects you in such an event.
  • Get Cyber Liability If You Work Online: Cyber liability protects you if your website is hacked and your customers’ personal information is breached. Also, if you power a client’s website and it goes down for an extended period of time, you are covered if they sue you.
  • Cover Outside Contractors: If a contractor causes damage or injury to you or an employee, you could be liable. Make sure your business insurance covers contractors.
  • Purchase Disability Insurance: Short-term and long-term disability insurance is a standard offering for most companies to assist employees if they’re unable to work for an extended time. It might also be required by your state.

A reputable business insurance company can help you figure out what plan is the right one for you. To speak with an insurance agent about a policy for your company, call Cundiff & Company Insurance in Somerset at (606) 679-8379. Visit their website for more information. 

tracking