End-of-Year Business Insurance Review

It's that time of year again — open enrollment for health insurance plans is here, giving you the chance to make crucial decisions for your business. As a business owner, this is the perfect opportunity to not only review your group health plan but also take a closer look at your business insurance coverage.

Businesses are constantly evolving, and so are the environments in which they operate. Whether you’ve upsized, downsized, added a location, changed services, or integrated new technology, these changes can significantly impact your insurance needs.

Our business insurance experts can assess your property, operations, and liability risks, helping you understand how insurance can assist in managing them. Since We Insure works with a wide range of business insurance carriers, our agents can customize a package to fit your specific needs.

Small Business Package
As a small business owner, you have many responsibilities. Don’t let insurance slip through the cracks. A We Insure agent can review your business insurance needs and recommend solutions that provide a solid safety net.

Commercial Property Insurance
Much like a homeowners policy, commercial property insurance protects your business from damage or loss to your building, inventory, equipment, and other physical property due to fire, theft, and other risks.

Commercial General Liability
Unforeseen events happen, and they can disrupt your business. A general liability policy covers a wide range of risks, such as damage caused to another person or their property, advertising injuries, and damage to premises rented to your business.

Commercial Auto Insurance
If your business uses vehicles for operations — whether service trucks or delivery vans — you’ll need commercial auto insurance. Our agents can help you find the right coverage for your vehicles, including comprehensive, collision, medical payments, liability, employee vehicles, leased or borrowed autos, uninsured/underinsured motorist, roadside assistance, gap coverage, and loss of income.

Inland Marine
If your business involves transporting equipment, tools, or high-value property from site to site, an inland marine policy can protect those items against damage or theft — coverage that property insurance may not provide.

Business Interruption Insurance
What if a nearby fire forces you to shut down? Business interruption insurance can reimburse you for lost profits, operating expenses, and extra costs you may incur when reopening your business.

Commercial Umbrella
The coverage limits of your commercial auto, property, or business interruption policies might not be enough to cover the costs of a large claim. A commercial umbrella policy provides higher coverage limits, offering extra protection for your business.

Workers’ Compensation
Most states require businesses to carry insurance that covers employees who are injured or become ill on the job. A We Insure agent can help you find the right workers’ compensation coverage at the best rates.

Before the year ends, schedule a policy review with your local We Insure agent. They’ll assess your insurance needs and obtain competitive quotes from top-quality carriers in your area. We’ll handle the details so you can focus on running your business.