Insurance Tips for the Small Business Owner

Retail business owner assisting customers

As a business owner, you know a thing or two about risks. While risks drive your entrepreneurial spirit – business insurance is not something to risk.

Business insurance is absolutely necessary, and many small businesses go without insurance due to the expenses. However, those businesses have not carefully thought about what not having insurance could cost them.

Tips for protecting your business:
  1. Make the right call. There are various types of commercial insurance products on the market. These types of coverages range from general liability insurance, to property coverage, to commercial automobile coverage, to data breach and e-commerce coverage. It is best to knowing what protection you need by starting with understanding the unique risks your business faces
  2. Consider a package deal. If your business requires a number of different types of coverage, such as: property coverage, commercial vehicle coverage, protection from business interruptions, protection from loss, or liability coverage, you may want to consider policy that bundles different types of coverage together.
  3. Make it personal. Your business is unique, which means your insurance coverage should be too. Talk to one of our agents to get a customized policy and get added protection where you need it most.
  4. Make no mistake. An extremely common mistake business owner’s make is not having enough coverage in their policies.
  5. Take a second look. As your business grows, so will your risks. It is recommended to meet with your agent two times a year to review your policies. This meeting is important to identify new risks and ensure you are still receiving the best coverage for the best price. 
Don’t do it alone.

Trying to understand your insurance needs and considering the various coverages can be overwhelming and hard to do on your own. Call on the team at Atwater Insurance! We represent multiple insurance companies and have access to many affordable providers. We’ll provide expert help and the advice you need to make sure your business is covered. Atwater Insurance Agency is located in both Tifton, Georgia and Fitzgerald, Georgia. We offer coverage for your home, automobile, business, or farm. Call our office with questions or to get a quote today. Our number is (229) 382-9000.

All policies are subject to different forms, exclusions and endorsements. Be sure to contact your agent for final confirmation of coverage and underwriting policies.