Small Business Insurance Lima OH

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 Lima, OH that can help answer your questions about Small Business Insurance.

Ley Dennis Insurance Agency
(419) 222-2454
513 N Cable Rd
Lima, OH
 
Allstate Insurance Companies
(419) 224-5553
1617 Allentown Rd
Lima, OH
 
Kroeger Lori C Insurance Agent
(419) 225-7750
2021 Allentown Rd Ste 4
Lima, OH
 
American Family Insurance-Jason Upthegrove Agency
(419) 224-1952
309 W High St
Lima, OH
 
Allstate Insurance Companies
(419) 228-7100
1570 N Main St
Lima, OH
 
Davidson Insurance Agency
(419) 222-7041
925 N Cole St
Lima, OH
 
Craft Insurance & Assocs
(419) 222-8201
1603 Allentown Rd
Lima, OH
 
American Family Insurance- Philip Winder
(419) 221-2526
2895 Harding Hwy
Lima, OH
 
American Family Insurance
(419) 224-7400
410 Brower Rd
Lima, OH
 
Carney's Feed Mill Inc.
(513) 625-7755
5284 Edman Road
Batavia, OH

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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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