When you own a small or medium-sized business, it’s crucial to protect your assets and physical property from loss, just as you would your home or car. Business insurance comes in all shapes and sizes, and choosing the right policy is an individual decision. Tim Bryan Insurance, your local insurance agent in Andalusia, Alabama, will work with you to understand your business’s unique needs to help you craft the perfect policy. 

Here are the three most important types of business insurance policies to add to your plan:

• Liability Insurance: This is the insurance coverage that protects you if an unhappy customer sues you. It can cover injury on your property or harm caused by your product. Professional liability insurance also covers you in the event someone is unhappy with your work.
• Business Auto Insurance: Whether you use a special car or truck on the job, or have a fleet of vehicles and equipment, it’s best to insure them with a business policy. This will cover you for unforeseen damage to the vehicle as well as the harm caused to others in an accident.
• Business Interruption Insurance: You never know when something will happen that causes you to shut down for an unexpected period. Your building may not have been damaged by a hurricane, for example, but if there’s no power and you remain closed, you’ll be glad for insurance that replaces your income when work is interrupted.
• Workers Compensation Insurance: If you have employees, you need to protect them on the job. It’s your responsibility to cover them if they’re hurt during work hours, and this insurance makes sure you can do that if they need to file a claim.

Business insurance is a complicated subject, but Tim Bryan Insurance of Andalusia will help you figure out exactly what you need to get started. Call them at (334) 222-1460 for a consultation, or see their website for more details.