Idaho Small Business Insurance

What Is Small Business Insurance?

Business insurance protects your business from financial loss due to accidents, lawsuits, and other risks that can affect the bottom line of any small or medium-sized enterprise. It also helps you protect yourself against liability claims if someone gets injured on your property or at an event sponsored by your company.

Why Should I Get Business Insurance?

You should get business insurance for several reasons:

When It Comes to Business Insurance for Small Businesses, We've Got Your Back! We're here when your policy needs are greatest - during an emergency or after a loss. Our agents work with you every step of the way to make sure that all your questions about coverage have been answered. And we'll be there if something goes wrong.

Our goal at Chris Antrim Types of Small Business Insurance

We offer several types of small business insurance that are designed specifically with your needs in mind. Here are some examples:

• Commercial General Liability - Protects against property loss caused by accidents such as slips & falls, fire/smoke, vandalism, etc.
• Business Auto - Provides protection if someone else causes an accident while driving on behalf of your company.

Insurance is to provide our customers with great service and affordable rates on their policies. To do this, we offer competitively priced plans designed specifically for small businesses. You won't find better prices anywhere else!

Types of Small Business Insurance

We offer several types of small business insurance that are designed specifically with your needs in mind. Here’s what they include:

Business Income Protection - This type of policy helps payout if an employee gets injured on the job, incurs medical expenses due to illness or injury, or suffers other losses while working at their place of employment. BIP also covers lost wages when employees have to take time off work because of injuries sustained on the job.

• General Liability Insurance
• Property Damage & Collision Coverages
• Business Income Protection

We're Here To Help You Get Started!

Our team has been helping small businesses just like yours since 1981. Our goal is simple - provide great service at an affordable price. If you'd like to learn more about how we work with small businesses, please contact us today. The following are some tips on what to look out for when buying life insurance policies. These tips should be considered before purchasing any type of policy.

Business Property Insurance

Property insurance protects your business assets such as computers, furniture, inventory, and other equipment. This type of policy covers losses caused by fire, theft, vandalism, windstorms, earthquakes, and floods.

Who Needs Small Business Insurance?

If you own a small business that has employees, then you should consider getting small business insurance. Here are some reasons why:

• Protecting Employees & Their Families

Employees who work at your place of business may be injured on the job.

• Business Income Insurance

This type of policy protects your business income by covering losses due to theft, fire, vandalism, natural disaster, or other events outside of your control.

How Does Our BOP Work?

Our BOP works with all types of policies including general liability, commercial auto, professional liability, umbrella liability, directors & officers, inland marine, excess/umbrella liability, cyber liability, environmental liability, worker’s comp., etc. You name it!

We're here when you need us.

Business owner's policy

A general liability policy is not enough to protect your company from the unexpected. A business owner’s policy provides additional coverage against more serious claims such as employee injury, product defects, and worker compensation. This type of policy also protects you if someone sues because they were injured on your premises.

Commercial Auto Insurance

If you own vehicles used in your business, this policy will cover them when they are involved in an accident.

Professional Liability Insurance

If you're an attorney, accountant, engineer, architect, physician, dentist, psychologist, pharmacist, nurse practitioner, optometrist, podiatrist, chiropractor, massage therapist, veterinarian, real estate agent, interior designer, public adjuster, funeral director, mortician, or other professional service providers, this coverage protects your practice from claims made by clients against you personally.

• Property loss
• Loss of income
• Legal defense costs
• Medical payments to others
• Workers' compensation
• Errors and omissions insurance
• Commercial auto coverage

If you own vehicles used in your business, this type of insurance protects against losses from vehicle theft, vandalism, fire, collision, and other perils.

• Vehicle rental
• Trucking
• Delivery services
• Motorcycle
• Rentals
• Boat/watercraft
• Boats & watercraft
• Airplane
• Flatbed truck
• Cargo trailer
• Other miscellaneous items

Additional information about each product may be available upon request. Please contact us at (208)-515-2625

Workers' Compensation Insurance

If you're self-employed, workers' comp may be your only option. This type of coverage pays medical bills and lost wages after an accident on the job.

• Employee benefits
• Medical payments
• Accident disability income insurance
• Disability insurance helps payout when employees are injured while working. If they become disabled due to their own actions, this policy will provide money to replace their salary until they recover.
• Long term care insurance
• Cyber liability insurance

If your company does online transactions like e-commerce websites, you need cyber liability coverage. This type of insurance protects against data breaches and other security issues.

• Data breach claims
• Website hacking
• Malware attacks
• Computer viruses
• Property insurance
• Commercial auto insurance

You may not think about it, but many people don't realize they're responsible for their own personal vehicle. If someone gets hurt while driving yours, this policy will pay out on any resulting accident claim.

Personal Auto Insurance

Find the right insurer to help protect your business We publish unbiased product reviews; our opinions are our own and are not influenced by the payment we receive from our advertising partners. Learn more about how we review products and read our advertiser disclosure for how we make money.

Accidents happen all the time, and business owners need to be protected in case there's an accident in the workplace especially since the average customer injury insurance claim is $35,000. 1 It's important for business owners not to leave themselves vulnerable, and to make sure they have the insurance they need to cover all of the risks present in their business.

After all, not having the right types of insurance can be the same as not having it at all, leaving businesses with no protection against many types of losses. We compared more than a dozen of the country's best insurance companies as well as several brokers based on the types of coverage they offer, the industries they serve, their ratings for financial stability, and customer satisfaction to identify those that best meet the needs of small businesses.

Read on to see who has the best small business insurance that meets your needs. **Source: investopedia.com

What Is the Average Cost of Small Business Insurance?

The average cost of small business insurance depends largely upon what type of business you run. The most expensive form of insurance is commercial property because this includes buildings, contents, machinery, vehicles, and more. Other forms of insurance tend to be less costly than commercial property. Property damage liability tends to be cheaper than a commercial general liability since it generally applies to bodily injury claims rather than lawsuits over property damage. Inland marine insurance costs less than commercial auto insurance because it covers boats instead of cars.

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