From fearing getting sued into bankruptcy for missing a policy to dreading rising premiums for coverage they don’t actually need, small business owners are often paralyzed by the “what if.”
By filtering insurance coverage options expertly, you optimize your budget so you’re only paying for the protection that actually secures your livelihood. At AAdvantage Insurance Group, we take on the role of advisors to find the right coverage.
Core Types of Small Business Insurance Coverage
Discover the essential insurance coverage for businesses, and choose the right liability insurance for your small business based on your specific risk.
General Liability
If you accidentally break a client’s window or a customer slips in your shop, general liability insurance kicks in. It covers medical bills and repairs, as well as your legal defense. This fundamental policy protects you from third-party claims of bodily injury, property damage and personal and advertising injury.
Workers’ Compensation
If an employee gets injured on the job, workers’ compensation covers their recovery and lost wages. This insurance serves as a safety net and is strictly required by Pennsylvania law for almost all businesses with employees.
Commercial Property
Secure your physical assets from fire, theft or storms. Commercial property insurance protects your assets, including building, inventory and equipment. So if a storm damages your roof or thieves steal your inventory, this coverage pays to repair or replace your physical assets.
Strategic Add-Ons for Specific Industries
Expand your coverage with specific types of small business insurance coverage, depending on your trade:
- Cybersecurity: Cybersecurity breaches can strain your finances and damage your reputation. Get extra coverage to protect your business from cybersecurity risks. This insurance is critical for e-commerce, retail or any business that accepts credit cards or stores client data.
- Commercial auto: Personal auto policies rarely cover business accidents. Commercial auto insurance protects your company’s fleet of vehicles, providing coverage for theft, accidents and damage caused while operating for the business.
Cybersecurity and commercial auto insurance are just a few of the relevant insurance add-ons. Depending on your industry needs, there are tons of ways to protect your business. Get in touch with your advisor to discuss how you can further secure your operations and stay competitive in the market, even in the face of unexpected disruptions.
Why Partner With a Local PA Advisor?
AAdvantage Insurance Group is an independent insurance agency that takes a personal approach to our services. From shopping multiple carriers to reviewing plans at each renewal, our team is dedicated to offering the best service possible. As a local insurance agency, we know the PA laws and risks. Our experts explain the “what” and the “why” to provide you with the most suitable coverage for your operations.
Secure Your Business With a Custom Protection Plan
