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I Am Starting a New Business and Need Insurance, What Should I do?

Congrats on starting your own business!  It can be exciting, nervous, scary, and overwhelming all at the same time!

One of the first things that you need to do before you sign a lease, sell a product, or open your doors to the public is to get proper business insurance set up.

Most people will go straight to their auto, home, and life agent for a policy quote and then buy the policy without completely understanding the coverage and the risks of their business and this can be a HUGE mistake.

The issue at hand is having the correct coverage. Most State Farm, Allstate, Farmers, American Family agents know auto/home/life policies but don’t completely understand commercial or business policies. This equates either paying too much for the coverage or paying for a policy that WILL NEVER help you if you truly did need it. Also all of the above companies only carry general liability and NOT professional liability. Not every business needs professional liability but quite a few do and often they don’t realize it. I represent Farmers Insurance and we write quite a bit of commercial policies with Farmers but if it’s a hard to place business or something that we cannot write thru Farmers I can broker it to a carrier who will help place the risk.  If you’re are either starting a business or if you’re not comfortable that your agent sold you the correct coverage at the correct price, give us a call at 816-795-5977 or email at jolson3@farmersagent.com.

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Contractor’s Insurance? Yes we can help!

Combining insurance coverage in one policy generally leads to a better value, and we help contractors every day create an attractive insurance package for helping insure their small business.

For contractors–primarily HVAC, landscapers, painters, plumbers, electricians, carpet installers/carpet cleaners, we have a policy that is especially attractive.

A lot of insurance “brokers” offer just liability insurance for contractors, but our policies include tools and equipment and more.

For example, our policy even covers theft of a contractors’ supplies.  For example: a HVAC company buys a new furnace or AC puts it in their shop.  The shop is broken into and the unit is stolen.  If they have our policy the first $3,000 of protection comes automatically, but you can increase it up to $100,000 of coverage.

The protection doesn’t end there.

A lot of contractors work out of a den or third bedroom in their house, but a typical homeowner’s insurance policy won’t cover anything to do with a business.  If there is theft, water or fire damage, our policy covers $2,500 automatically, and it can be increased if needed”

The convenience factor is huge.

If a contractor has company vehicles, a lot of insurance carriers have separate liability for commercial vehicles, a separate policy for tools and equipment,  a separate general liability policy, and a separate worker’s compensation policy.  What we can do is package it all together; we can also provide them a contractors bond if they need that too.  We keep in all in house so they have 1 central point of contact for all their insurance coverage.

Does the best coverage for your business matter to you? Of course it does! Call 816-795-5977 or email jolson3@farmersagent.com today to see how we can help you customize the best package and lowest premium for your business.