SMALL BUSINESS INSURANCE
As a Small Business Owner, your personal and professional life is intermingled. Your home and work life blend, your assets are intricately tied to one another, and the risks you face have bearing on both.
That’s where the RogersGray Small Business Insurance Specialists come in.
Since 1906, RogersGray has been the local agency with a client first approach. Our colleagues, working from our offices in New England, serve tens of thousands of clients across the business insurance, personal insurance, and employee benefits spectrum.
We focus our efforts on you and your risk profile and then design solutions to ensure that your home, family, employees, and business are protected from risk. Our process takes you through the Asset Protection Roadmap, to make sure all the important things in your life are fully covered..
At the best price. All under one roof.
The RogersGray Insurance small business specialists help protect what you have worked so hard to grow. These days, a business owner can’t be too careful as risks and exposures such as injuries, lawsuits, employee dishonesty, and property damage can wipe out what you’ve worked to build.
RogersGray Insurance works with small business owners on Cape Cod, the South Shore, Massachusetts, and in 49 other states and understands that every business has a unique set of challenges, details, and budget. Our goal is to ensure that your small business will still be in business for years to come, and we can work with you in order to help make that happen.
Contact our Small Business insurance specialists by completing the form or call 781-422-3035 and ask for a Small Business Insurance quote.
Asset Protection Roadmap for Small Business Owners
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Top 10 Small Business Insurance Coverages
General Liability Insurance: This coverage protects small businesses against third-party claims for bodily injury, property damage, or personal injury resulting from business operations.
Property Insurance: It covers physical assets such as buildings, equipment, inventory, and furniture against losses or damages caused by events like fire, theft, or vandalism.
Business Interruption Insurance: This insurance helps replace lost income and covers ongoing expenses if a covered event, such as a fire or natural disaster, interrupts your business operations. This is especially important if your small business is your sole source of income.
Professional Liability Insurance (Errors and Omissions Insurance): It provides protection 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. Applies to all small businesses of any size.
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 cyber-attacks, this coverage helps protect against the costs associated with data breaches, including legal expenses, customer notification, and credit monitoring. This is a key coverage if your small business processes credit card, electronic payments, and/or collect personal information.
Employment Practices Liability Insurance (EPLI): It covers legal expenses and damages associated with employee-related claims, such as wrongful termination, discrimination, or sexual harassment.
Directors and Officers (D&O) Insurance: This coverage protects the personal assets of directors and officers in the event of lawsuits alleging mismanagement, errors, or breaches of fiduciary duty. Also applicable for non-profits board members and directors.
Key Person Life Insurance: Key Person Life insurance is a policy that a business purchases on the life of an owner, top executive, or other individual who is considered critical to the success of the company. These individuals are vital to the day-to-day operation and their absence could cause serious financial damage to your business.