At Dennis Gutman Insurance, we have first-hand experience in the world of small business. We know what it takes to run a business and make it a priority to provide our commercial customers with coverage that protects their best interests. That means providing insurance protection that not only protects your company, but also the livelihood of your employees and customers. It also means building a policy that is affordable enough to protect your bottom line.
Have you considered how you would continue to pay your employees if your storefront were shut down for several weeks after a fire? What about your ability to stay in business if a litigious customer sues you for a faulty product you sold or an injury that occurred on your premises? These are the types of scenarios that business owners across Wisconsin and the U.S. face every day. You worked too hard to build your business to see it fall apart overnight. Make sure your business is protected no matter what comes your way.
Types of Business Coverage
There are several types of business coverage, which can be rolled into a convenient business owners policy (BOP). Your coverage can include a wide range of property and liability protection, including:
Business Property Insurance
Losses and damages to your building and its contents can be detrimental to your business. Business property insurance helps repair or replace your building’s structure, as well as equipment, inventory, and furnishings lost or damaged as a result of a covered event.
Workers Compensation Insurance
When your employees are injured on the job, workers compensation insurance helps cover their medical and rehabilitative expenses while recovering. It can also provide compensation for lost wages when an injury results in time off work.
As a business owner, you are financially responsible for any accidents that occur on your property or as a result of a product or service you offer. You can purchase liability insurance that protects you against lawsuits, as well as claims of negligence or errors by you or your employees.
Business Interruption Insurance
If a fire or other covered event makes it temporarily impossible to operate your business or you are otherwise forced to operate at limited capacity, business interruption insurance can help cover the bills. This type of coverage helps cover the payroll and other business expenses until you are up and running again.
Commercial Auto Insurance
If you or your employees operate motor vehicles in the course of business, make sure your coverage includes commercial auto insurance. A commercial policy helps cover your liability, as well as damages to a company vehicle if it is damaged in a collision or other covered incident.
Business Insurance in Manitowoc, WI
At Dennis Gutman Insurance, we pride ourselves in building custom business packages designed to fit the individual needs of our clients. The coverage that works for a local dry cleaning business may not be the right protection for a caterer or an HVAC repair business. We recognize that business insurance is not one-size-fits-all. Instead, you benefit most when you work with an independent agent who can assess your risk exposure and identify the coverage types that will minimize your vulnerability.
To find out more about business insurance packages in the Manitowoc area or to request your personal business coverage consultation, contact our office. We look forward to serving you soon.