There seems to be a resurgence of entrepreneurial spirit in small businesses these days. Many people have focused their energies on following their dreams, and this trend has resulted in the proliferation of artisan bakeries, specialty chocolate shops and other creative enterprises. To best protect and support these businesses, thorough and personalized insurance coverage is essential. Small business insurance in Connecticut addresses each operations exposures and risk tolerance to come up with an individualized plan that works for business owners.
Tailor Coverage to Fit
Every business has its own unique profile, as well as its own unique insurance requirements. Operations that put bids out may need surety bonds. Food-based businesses may want to include coverage for food spoilage and food-borne illness. Many companies can benefit from a policy that provides for equipment breakdown. Other considerations include:
- Business auto
- General Liability
- Excess liability
- Cyber liability
- Workers compensation
Assess Risk to Build the Best Policy
A good insurance agent can go over the details of your business to help create the policy that meets your needs. It is important to understand the exposures and risks that affect an individual operation. Does it make sense to build business interruption insurance into a policy? A company that has an internet presence may benefit from cyber liability as part of its comprehensive business insurance in Connecticut. Whatever the enterprise, it is a good idea to spend some quality time with an experienced agent to put together a policy that protects your dream.