SMART COVERAGE FOR SMALL BUSINESSES

Small business insurance tailored to cover what matters most:
your operations, your people, and your future.

WHAT WE OFFER

We provide tailored insurance solutions for small businesses of all sizes. Whether you run a retail shop, manage a team, or operate from a home office, our expert team partners with trusted carriers to protect your people, property, and operations. You focus on growing your business and we help protect it.

COMMON COVERAGES FOR SMALL BUSINESS OWNERS

General Liability

Accidents happen. This coverage protects your business when someone is injured or property is damaged because of your operations, whether at your location or out in the field. It helps shield you from costly claims and legal issues.

Workers' Compensation

Your team is essential to everything you do. If someone gets hurt while working, this coverage provides medical support and wage replacement. It also protects your business from employee injury claims and helps you take care of the people who take care of your business.

Property Insurance

Your space, equipment, and inventory are the backbone of your business. This coverage protects against damage from fire, theft, and other unexpected events. It can also help cover lost income if you need to close temporarily, so you can recover without missing a beat.

Professional Liability

Professional Liability coverage helps protect you if a client claims your advice or service caused financial harm. Whether it’s an oversight, a missed deadline, or a miscommunication, this coverage can help with legal fees, settlements, and protecting your reputation.

Auto Insurance

If your business relies on vehicles, this coverage keeps you protected on the road. It covers your business-owned vehicles, your drivers, and the work they do, so one accident does not bring your day to a halt.

Cyber Insurance

Cyber Insurance helps protect your business from data breaches, hacking, and cyber attacks. Whether it’s stolen client information, ransomware, or a phishing scam, this coverage can help with recovery costs, legal fees, and restoring trust with your customers.

We offer additional policies to help cover the unique risks that come with running and growing a business. If you are curious about a coverage not listed above, please contact us. We are happy to talk through what makes sense for you.

2024 SMALL BUSINESS INSURANCE STATISTICS

of small businesses are underinsured, leaving them vulnerable to costly losses after an incident

0 %

is the average annual cost of general liability insurance for a small business, often less than a single claim payout.

$ 1

is the average time it takes a small business to fully recover from a major cyberattack or uninsured loss.

0 days

Tips to Lower Risk at Your Small Business

Inspect Your Space Routinely
Look for issues like damaged wiring, water leaks, blocked exits, or worn-out equipment. Staying proactive helps prevent accidents and costly claims.
Invest in Safety Technology
Install tools like cameras, alarm systems, smoke detectors, and surge protectors. These devices reduce risk and help you respond quickly if something goes wrong.
Train Your Team on Safety Procedures
Make sure employees understand how to use equipment safely, respond to emergencies, and follow workplace protocols. A well-trained team is your first line of defense.
Keep Good Records
Track repairs, inspections, training sessions, and any incidents. Organized documentation makes insurance claims easier and shows you are serious about risk prevention.
Review Your Coverage Regularly
As your business grows or shifts, your insurance should grow with it. Regular check-ins with your agent help ensure you are not left exposed.

Even with careful planning and a dedicated team, accidents, property damage, and customer-related claims can still happen. The right insurance coverage is essential for protecting your business, your people, and your ability to keep things running. Proper coverage helps you recover faster and reduce financial setbacks when the unexpected occurs.

At Swarts Manning, we help small business owners navigate everyday risks with insurance solutions tailored to their industry and operations. Our team is here to protect what you have built so you can stay focused on serving your customers and growing your business.

CONTACT US

Interested in learning more about the services we provide? Click the button below to contact an insurance professional today.