The beginning of the New Year is a time for resolutions. Business owners, especially those starting up new ventures in 2020, will have plenty to consider. Swarts, Manning & Associates wants to help you understand what to look for when you consider amending or adding your coverage in 2020.
Businesses go through growing pains, and there can be unforeseeable issues. Because of this, Swarts, Manning, & Associates offers many types of insurance.
Here are just a few of them:
General Liability Insurance
General liability protects your people, and it protects people from your products. These can include personal claims, medical claims, on-premises injury or damage claims, and liability where others allege that they suffered as a result of your product or service.
Professional Liability Insurance
This type of insurance complements General Liability Insurance, and it pertains beyond manufacturers into Professional Service industries like accounting, medical, dentistry, architecture, law, real estate, and many more.
This insurance covers liability for damages that resulted in the rendering or failure to render professional services.
Property Insurance
Can your business function without its assets? This insurance protects your goods and the important tools to carry out your work. You can get basic insurance or extended coverage that protects you in the case of extended peril like certain fires, floods, earthquakes, and more.
Workers Compensation
If you have a workforce, you want to keep them healthy and covered in the event of an injury or worse as a result of the work they do for you and on your premises. This coverage includes medical care, partial lost wages, and, if necessary, permanent disability.
Commercial Auto
If your business uses vehicles, from small cars to big rigs, you will want coverage whether those vehicles are driving or are parked. Swarts, Manning, & Associates offers commercial trucking, business vehicle, hired and non-owned, as well as garagekeepers – which protects your equipment from damage while off-the-road.
Employment Practice Liability
It takes one litigious ex-employee to bring your business down. Employment Practice Liability helps cover you in allegations of Wrongful Termination, Workplace and Sexual Harassment, Discrimination, Wage and Hour Disputes, Hiring and Harboring Illegal Aliens, and Breach of Employment Contract.
Our insurance specialists at Swarts, Manning & Associates provide a unique perspective on all of your commercial coverage options, and we help to determine which carrier best fits your business needs. We strive to find you the broadest coverage at the best available rate. Give us a call to get started: (833) 878-2820.
Each week, Swarts, Manning & Associates covers relevant topics for your business. Stay tuned to hear more discussions about managing your insurance and industry-specific tips.
