Business Insurance

Small Business? More Coverage and More Value

Small Business? More Coverage and More Value

Small Business. Big Coverage.

If you’re a small business looking for a little more than a General Liability policy has to offer, this is for you. Business Owners Insurance can give you the extra coverage you need to Plan & Protect the Unexpected.

Small Business? More Coverage and More Value.

A lot of businesses, especially small ones, stop at General Liability not knowing that a Business Owners policy gives them everything in General Liability plus coverage for property and even situations that stop a business from operating. Business Owners policies bundle more into one package and at a huge savings. 

GGB Insurance Services is here to help you find what you need and confidently, move forward.

So What's Included?

Business Owners Insurance provides financial protection for the same situations that General Liability does when a third party sues for:

  • Personal Injury such as slander & libel
  • Bodily Injuries while on your property
  • Damages to their Property caused by you

A Business Owners Policy has all the above with the addition of the following:

  • Interruption Insurance – Financial reimbursement should an event cause your business to temporarily cease operation.
  • Property Insurance – Protection for your business’ property and assets in cases of some natural disaster or theft, etc.
  • And possibly increased Liability Insurance (libel, slander, copyright infringement, etc.)

Can I Get a Business Owners Policy?

Typically a small business should have the following to qualify for a Business Owners Policy:

  • Have fewer than a specific number of employees (typically under 100)
  • Make less than a certain amount in revenues ($1 million or less)
  • Require less than 12 months of interruption coverage
  • Have smaller physical properties of operation (small office, etc.)
  • Be a business in a low-risk industry (as determined by the insurer)

Don’t meet all of the above? Don’t worry. Nearly any business can get a BOP as long as you’re willing to make adjustments to your premium. Businesses come in all shapes and sizes after all.

Some Business Owners Policies include even more coverage! This option protects the essential parts of a business, and provides incredible value. Getting more for your money is always good business.

© 2017 Copyright GGB Insurance Services
Posted by admin in Business Insurance, Business Owners Policy
Have a Business? Go Beyond General Liability

Have a Business? Go Beyond General Liability

Peace of Mind So You Can Focus On Your Business

Making sure your Employees, Company, Autos and You are protected is key to operating your business with peace of mind. When you Plan & Protect the Unexpected, you can focus on success.

Have a Business? Go Beyond General Liability

You have enough to worry about when managing, starting and/or growing your business. Concerns about your coverage shouldn’t be one of them. Every business is different, and certain industries need more than General Liability insurance. Having the policies necessary for your specific industry can make all the difference when something goes wrong. The right policy could even save your business.

GGB Insurance Services is here to help you find what you need and confidently, move forward.

Commercial Auto/Trucking

These coverage options protect company vehicles ranging from standard autos to trucks and trailers.

Protection includes:

  • Bodily Injury
  • Property Damage
  • Collision
  • Uninsured/Underinsured Motorist
  • Personal Injury
  • and More.

For those in the Commercial Trucking/Motor Carrier industry, GGB Insurance Services has access to every major insurer, and offers the following options:

  • 11 Western States
  • 48 States
  • Long Hauls
  • General Liability
  • Comp/Collision
  • Trailer Interchange
  • Motor Truck Coverage
  • Bobtail Liability
  • 100-500 Radius
  • Cargo
Professional Liability

Professional Liability

This coverage is often in addition to a general liability policy and covers financial losses due to negligence or errors while performing a professional service for a client. In the case of certain industries, additonal coverage may also be included.

This policy is suited for Professionals such as:

  • Physicians
  • Attorneys
  • Real-estate Brokers
  • Accountants
  • Engineers
  • Architects
  • Consultants

Business Coverage Doesn't Stop Here

Your business may also need (or be legally required to have):

  • Worker’s Compensation
  • Group Health
  • Umbrella Insurance

Remember, insuring all aspects of your company isn’t a luxury. It’s a necessity. Knowing exactly what your unique industry needs is  essential to getting the right coverage at the right price.