Your Local Small Business Insurance Provider
More than half of all Americans either own or work for an organization with less than 500 employees. Small businesses are the backbone of our economy, meaning expert care is required to ensure that everything you’ve worked so hard to build, stays protected.
There’s nothing small about the reach of small businesses. Protect yours to keep growing and thriving.
Inflation, evolving consumer demands, and shifting regulatory requirements mean small businesses must stay alert for new and emerging risks. Not only these, but risks and exposures such as workplace injuries, lawsuits, employee dishonesty, and property damage can have devastating financial and reputational consequences. Partnering with an experienced insurance advisor can help you create a comprehensive risk management strategy to help mitigate the ramifications of potential losses.
For over 100 years, RogersGray has provided expert direction and professional support for our neighbors’ life, home, auto, and property insurance needs—small business protection is no exception. RogersGray helps small businesses across Massachusetts, and in 49 other states,by providing expert navigation through the insurance process, from choosing coverage to initiating claims and continual risk management.
Just like you, we’re constantly growing. With twelve offices throughout the state and our partnership with Baldwin Risk Partners, we are more than equipped to support and evolve with your business for years to come. Our specialists have access to an array of top carriers to negotiate optimal coverage for the price that fits your needs.
Whether you’re a one-person operation or have multiple locations across the state, RogersGray is your guide to small business insurance so you can continue to grow and thrive.
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10 Types of Small Business Insurance Coverage You Might Need
There are many facets to small business insurance. The top ten coverages your business might need include:
General Liability Insurance: Protects against third-party claims for bodily injury, property damage, or personal injury resulting from business operations.
Property Insurance: Covers physical assets such as buildings, equipment, inventory, and furniture against losses or damages caused by fire, theft, or vandalism.
Business Interruption Insurance: Helps replace lost income and covers ongoing expenses if a covered event, such as a fire or natural disaster, interrupts your business operations.
Professional Liability Insurance (Errors & Omissions Insurance): Protects against claims of negligence, errors, or omissions arising from professional services or advice provided by the business.
Workers’ Compensation Insurance: Required in most states, workers’ compensation insurance covers medical expenses and lost wages for employees who are injured or become ill while performing work-related duties.
Commercial Auto Insurance: If your business uses vehicles for business purposes, commercial auto insurance is necessary to protect against liability and property damage caused by those vehicles.
Cyber Liability Insurance: With the increasing risks of data breaches and cyberattacks, this coverage helps protect against the costs associated with data breaches, including legal expenses, customer notification, and credit monitoring.
Employment Practices Liability Insurance (EPLI): Covers legal expenses and damages associated with employee-related claims, such as wrongful termination, discrimination, or sexual harassment.
Directors and Officers (D&O) Insurance: Protects the personal assets of directors and officers in the event of lawsuits alleging mismanagement, errors, or breaches of fiduciary duty.
Umbrella Insurance: Provides additional liability coverage that extends beyond the limits of your primary insurance policies, offering increased protection against catastrophic events or significant liability claims.
LEARN MORE ABOUT PROTECTING YOUR BUSINESS WITH ROGERSGRAY
Contact us by clicking the button below or filling out the form at the top of the page to discuss the specifics of small business coverage, and to receive a free, no-obligation quote.