What is the best small business insurance option in 2018?

What is the best small business insurance option in 2018?

If you’re starting a new business, one of the first things you need to do is to obtain small business insurance coverage. Small business insurance covers your business against liability from employee injury, injury to a third party, and property damage. Property coverage protects buildings, equipment, and other property from fire, water, vandalism, and other types of unexpected damage. A small business owners policy can also cover commercial auto and workers’ compensation coverage. If you operate an online business, you can even get coverage to protect you against cyber crime.

For the best small business insurance in 2018, consider the following companies:

  • Nationwide
  • Farmers
  • Liberty Mutual
  • AIG
  • Mercury
  • State Farm
  • Progressive
  • Chubb
  • Hiscox

Partnering with a good small business insurance company can relieve a lot of the stress that comes with starting a new business. The cost of paying for small business insurance is far outweighed by the benefits it can provide should you experience some type of crisis that could really have a crippling effect on your business.

Customize your coverage

The best insurance in 2018 should offer a wide selection of small business insurance coverage options which can be tailored to fit the unique needs of your business. Most common small business coverage includes:

  • Liability
  • Medical
  • Business income
  • Excess coverage

However, policies can be customized with extra enhancements to provide additional protection for your business from natural disasters, damage to your rental properties, and employee dishonesty, to name a few.

While there are business insurance options to cover every aspect of your business, applying for insurance coverage can be time-consuming and frustrating. If you’re just starting your new business, you need to be focusing on all of the tasks, functions, and responsibilities that are involved in launching and making your new business profitable.

Insurance brokers can help save you valuable time by researching all of the different small business insurance options that are currently available to you and then determining which insurer will provide the best coverage for your business at a price that fits within your budget

Benefits without waste

Independent insurance broker, Dan Fraisse, has been serving clients in the greater L.A. area for decades. As an experienced independent insurance broker, he has developed long-standing relationships with most of major insurance companies as well as a reputation with his clients for being hard-working and committed to getting them the best deal possible on business insurance.

Dan will sit down with you to determine the type of coverage that your business needs, will do all of the legwork, looking at all the best small business insurance options in 2018, and then find the best policy for you. Being an independent broker means that Dan works for you, not the insurance companies.

If you’re looking for insurance for your new business or need to update or make changes to your existing business insurance coverage, call Dan Fraisse, the best insurance agent in the Los Angeles, area to schedule an appointment.