Energy Efficiency for Small Businesses Appropriate temperature control is frequently a challenge for businesses. Heating and cooling systems are frequently running at a greater capacity than required when the building is not occupied: heating is used to prevent water pipes…
The 9 Essential Types of Small Business Insurance The 9 Essential Types of Small Business Insurance Workers Compensation Insurance (Required) Unemployment Compensation Insurance (Required) Disability Insurance (Required in Some States) General Liability Insurance Commercial Property Insurance Professional Liability Insurance Insurance…
How a business owners policy (BOP) works Has your independent insurance agent recommended a business owners policy, or BOP, for your business insurance? Despite its funny name – BOP – this type of insurance is ideal for small to mid-size…
Insuring your home-based business What you need to know if you work from home Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs. Starting a business—even at…
Why Independent Agents? With so many different avenues to purchase insurance, why go with an independent agency representing Auto-Owners? Your agent is a licensed expert who knows the ins and outs of insurance. They will work with you closely to…
Umbrella Insurance You have so much worth protecting Umbrella insurance is the most valuable coverage you've probably never heard of. Yet it's highly likely you need it. And it isn't just for high earners. It's for everyone, especially if you:…
Protecting Profits with Key Person Life Insurance People are the lifeblood of any business. They’re the driving force behind production, service, profit and growth. And, unlike equipment or inventory, good people are hard to replace. When a key person dies,…
How to insure your home business Congratulations! You’ve decided to take the leap and pursue your passion. Starting a home-based business is an exciting time. Whether you plan to work for yourself for a few hours a day or as…
(BOP) Business Owner Policy Get general liability, workers comp, property protection and more - all in one place Who needs a business owners policy? All small businesses such as retail stores, restaurants, and independent contractors typically need a BOP to…
