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entrepreneur writingAs a business owner, you have to make key decisions about your company on a daily basis. You decide who to hire, what products or services to sell, which customers to work with and how to market. In many of these cases, you'll turn to experts who know your industry and business well enough to help you to decide. What happens, though, when it comes to business insurance? Are you investing with the help of an expert who can aid you in making key decisions about your specific insurance needs?

Many owners select a basic BOP (business owner’s policy) insurance plan and assume it's enough. But doing this may be a mistake. While these packages are fantastic and can work very well, the mistake lies in the way you select it. Are you customizing it to include the amount of coverage that’s right for your business?

Here's a closer look at what you should be considering before you select a policy:

  1. What are your assets worth? Take into consideration the value of your property, including inventory, equipment and accounting software. If you were to lose it all today, how much would it cost to restart your business?

  2. What are your risks? Specifically, consider risks to your business property such as fire and theft, as well as risks related to your company's operations such as client mistakes or employee injuries. Customized business insurance should include workers compensation, liability insurance and, in some cases, professional liability insurance.

In addition to these factors, think outside the box. What risks could cause your business to stop being operational? This could include risks associated with water lines breaking, for example. Do you have business interruption insurance in place? What if an employee steals the credit card information of a customer? Do you have employee fraud coverage?

Finding the right type of policies for you means working hand-in-hand with an insurance agent who can help you make key decisions. You need someone who understands the risks related to your organization, specifically. If you have not yet done so, work to get a customized quote designed for your unique business needs.

Does your company have the right coverage? For more information on Denver business insurance, fill out the short form below and one of our experts will get in touch to see if we can help you save.


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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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Alliance Insurance Group
710 Golden Ridge Rd., Suite 120
Golden, CO 80401

Phone: (303) 279-9700
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