Small Business Insurance Ames IA

This page provides relevant content and local businesses that can help with your search for information on Small Business Insurance. You will find informative articles about Small Business Insurance, including "Insurance For Your Small Business". Below you will also find local businesses that may provide the products or services you are looking for. Please scroll down to find the local resources in Ames, IA that can help answer your questions about Small Business Insurance.

State Farm
(515) 232-0030
101 Main St
Ames, IA
State Farm Insurance
(515) 232-8090
2701 Stange Rd Ste 110
Ames, IA
Baldwin Marci
(515) 232-0771
516 Lincoln Way
Ames, IA
American Family Insurance
(515) 232-3333
2713 Stange Rd
Ames, IA
Langeland John Insurance
(515) 232-6001
1416 Buckeye Ave
Ames, IA
Thrivent Financial For Lutherans
(515) 292-7077
315 6th St Ste 100
Ames, IA
Alliance General Insurance
(515) 232-9271
319 Lincoln Way
Ames, IA
Dolan Michael
(515) 232-3555
311 Lincoln Way Ste 2
Ames, IA
LWBJ Financial
(515) 233-1975
1530 S Duff Ave Ste 2
Ames, IA
Principal Financial Group
(515) 232-0127
414 S 17th St
Ames, IA

Insurance For Your Small Business

One of the biggest mistakes small business owners often make is not insuring their business, not getting the proper insurance, or under-insuring their business. Work with both your accountant and your insurance agent to ensure that you make the right choices. Business insurance falls into two categories: Insurance that protects your business, and insurance that protects you and your employees. You will need to take a look at both categories to ensure that you have covered all the bases.

The first type of policy to look at for your business is a Standard Business Owners Policy (BOP). This type of policy encompasses several different types of coverage, and offers the best overall protection for your business. A standard business owner’s policy typically covers property damage, liability, and loss of income due to business interruption. Have your accountant go over the BOP that your insurance agent offers to make sure that it has the coverage that you need.

Business Owners Policies do not cover all of your small business insurance needs - the next type of insurance to look at is automobile insurance. This insurance should cover any vehicles used in the course of your business, such as delivery vehicles and company cars. Automobile Liability insurance is required in most states, for both personal and business vehicles.

A standard business owners policy may include coverage for your equipment, however, if it does not, you will probably want to get a policy that will cover the equipment. For equipment that doesn't fit into other types of coverage, you can purchase a specialized equipment coverage policy. Present a list of the equipment you need coverage for to your insurance agent to find out what equipment can be covered by the different policies available.

For yourself, you will need health insurance, disability insurance, and life insurance. You can also try to find a group insurance package that will enable you to offer thes...

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