Southwest Agency provides cost-effective business insurance solutions throughout Carthage MO, Joplin, Marionville, Sarcoxie MO and Webb City. Your business faces risks and it would be foolish not protect your financial interests with affordable commercial insurance. Insurance is an affordable risk management tool and can help you keep your doors open in the face of disaster. But business insurance is not only about protection against major events. There are every day events such as work accidents, collisions and theft that can cost you a substantial amount of money if you don’t have the right coverage.
Small and medium business insurance often comes in the form of a business owner’s policy. This type of policy covers several risks under one package. Since many businesses face similar risks such as fire, theft, business interruption and liability claims. A BOP addresses these types of risks under one policy. You can also take additional or specialised insurance to complement and BOP.
A business owner’s policy covers the following:
- Property insurance – buildings and contents
- Business interruption
- Liability protection
Generally, a BOP does not cover professional liability, commercial auto, workers compensation or health insurance.
If you have a specialised business such as a farm or a construction business then you would need to consider appropriate insurance for your type of business. Examples of special insurance solutions include
- Marine insurance
- Transportation and long-haul truck insurance
- Commercial bonding
- Professional indemnity
- Directors and officer’s insurance
- Farm insurance
- Hospitality insurance
- And many more
There are many options when it comes to business insurance. A professional agency can help you with the right commercial insurance for your business. It is also important to know what you are covered for, what the limits are and what the deductibles are. It is also important to understand any exclusions. That way you will be aware of any gaps and whether they might be significant.
Business Insurance in Joplin, Sarcoxie, Webb City, and surrounding areas, including Carthage & Marionville. Offering Auto, Home, Property, Farm Insurance, more.