When you own a business, it’s your life.  At Larsen Flynn Insurance, Inc., an independently owned and locally operated insurance agency, we understand how important your business is to you and your family, which is why we provide a wide range of policies to protect it.

Business insurance is critical to ensure that your business doesn’t experience financial pitfalls or losses, which is crucial to keeping a business healthy and thriving. However, not all business insurance policies are created equal.

For example, the industry you operate in, the number of employees you have, the danger associated with the jobs you provide, and even whether or not you have a company vehicle(s), can contribute to the kind of insurance policy and the level of coverage you need for your business.

There are many areas of business insurance to consider, and each area can typically have a different level of coverage.

Most business insurance policies include general liability insurance, professional liability, product liability, workers compensation, commercial vehicle insurance, property insurance, and more.

General liability insurance is crucial for ensuring that third-party liability claims are covered when they’re made in regards to someone that was injured at your business.

Professional liability is nothing more than coverage in the event that one of your employees experiences a loss in income due to wrongful acts, advice, or professional duty that leads to someone else’s injury.

Your business should also consider product liability insurance which ensures that your company is covered in the event that one of your products is faulty. It also helps to cover injury or death that may occur when a faulty product is used.

Workers compensation, one of the most important aspects of business insurance, considers the well-being of your employees and their families. Also known as workers comp, this coverage ensures that your employees are covered financially if they’re injured or become ill on the job. It can also help cover medical bills.

If your business has a company vehicle, business insurance also offers coverage for cars, trucks, and vans as well.

Equally as important, and perhaps the most important of all, property insurance gives you peace of mind that your business property is covered and taken care of in the case of damage, vandalism, or loss.

If you’re interested in a business insurance policy to protect your livelihood, Larsen Flynn Insurance, Inc. can help. Feel free to give us a call at 503-873-8631 to learn more or to schedule a meeting with one of our agents.

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