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Entrepreneurs and Insurance



The entrepreneurial rate in the U.S. is growing as the economy is on a moderate upswing. Starting your own business allows you to have a sense of freedom, uniqueness, and opportunity that is sometimes unavailable to the norm. Being an entrepreneur is fun, but it can also bring a lot of stress. You have to look at every aspect of the business, from finances to the market to management to facilities and location to permits and licenses, and the list continues. While most small-business owners don’t even consider it; insurance is included in that lengthy list. Start-ups can easily face the same risks as a company twice their size. Basic coverage for a small start-up includes general liability and property coverage, commercial auto, and workers’ compensation. Independent agents and small businesses have a long history of working together.

Why should start-ups work with independent agents?

  1. Independent agents have access to multiple carriers, which allows us to compare rates and coverage for your convenience.
  2. Independent agents can act as a hands-on insurance agent, available to answer questions and ease concerns about your insurance coverage with our expertise and experience.
  3. Independent agents cater to the needs of your small business and work to find, not only the best, but the right coverage for you and your expanding business.

In order to get a quote for your small business, we will need a few things from you:

  • Legal name of business and type of entity (LLC, Corp, Sole Proprietor)
  • Mailing and Physical Address
  • Description of your business operations
  • Tax ID
  • Number of employees
  • Payroll
  • Gross Annual Sales: We do realize you are a start-up business and may not be sure about the exact amount, so an estimate is acceptable
  • Do you own or lease a building or office space?
  • Building Property Coverage
  • Business Personal Property Coverage
  • Any valuable equipment
  • Any off premises or out of state operations

Congratulations on your new business, this is an exciting time for you! We will be here every step of the way to help you achieve your dream!