When starting your own Bourbonnais, IL business, you might know that you need extra liability insurance, but what other commercial insurance might you need from George Ryan Jr. Insurance Group Inc to protect your investors and investment?
Recover from Fire and Catastrophic Loss
Commercial property insurance helps you rebuild your factory or offices after a disaster, whether that be fire or extreme weather. Your insurance agent can help you protect factory equipment, valuable prototypes, digital files, and other items you need to keep your business operational. Your agent should also help you keep up with rapidly changing property values in hot markets so that you are able to rebuild in your neighborhood. If you built in a low-lying area, you may also need flood insurance.
Protect Your Employees
As soon as you have hired staff, you will need to invest in workers compensation insurance. It helps to cover medical bills and living expenses when somebody gets hurt on the job, whether they work in data entry or factory assembly. A quality policy will also get your employee back on the job sooner, helping you control payroll expenses for temporary assistance.
Extend Coverage for Delivery Services
Once you add a delivery or commuter van to your growing business, you will need to purchase commercial auto insurance. It expands your liability coverage to the company operated vehicle while protecting your drivers. Any accidents that occur in the company car are covered by your insurance, not your employee’s. Add options for protecting your cargo to ensure that your orders arrive at your customer’s location on time and intact.
Every business is different. Only your commercial insurance agent from George Ryan Jr. Insurance Group Inc can help you ensure that your entire Bourbonnais, IL company is protected from unexpected loss.