With over 96% of Nebraska's economy being powered by small businesses, it's a wonderful time to own a business in the state. To help ensure your company continues to thrive, investing in small business insurance is key. Failing to insure your business could lead to disastrous consequences, including staggering expenses, liability claims, and even criminal charges. At AmVenture, we help you every step of the way so your business can become quickly and fully covered while complying with Nebraska insurance requirements.
What Does It Cover?
AmVenture specializes in bespoke insurance solutions, which offer a myriad of acclaimed products to help protect your business. While every company's needs are different, depending on factors related to business sector and workplace size, these are several of the popular insurance products in Nebraska:
- Workers' Compensation: Under state law, workers' compensation must be provided to your employees. If an employee sustains a work-related injury or illness, this insurance generally covers their wage losses, medical expenses, and rehabilitation services. As a business owner, refusing to carry Nebraska workers' comp insurance could result in civil fines or criminal charges. So, it's vital you become insured prior to opening your business (or as soon as possible if your business is already operational and not insured).
- Businessowners Policy (BOP): Designed with small business owners in mind, a BOP combines three essential insurance products: Liability Protection, Property Coverage, and Business Interruption. Bundled together, these products help keep your property, livelihood, and customers protected. Liability Protection covers third party incidents where someone is harmed by your products or on company property. Meanwhile, Property Coverage and Business Interruption ensure your business stays financially afloat in cases of property damage, vandalism, fire, or other covered loss.
- Commercial Auto Insurance: Whether you have a fleet of delivery vans or a single company-owned car, Commercial Auto insurance is necessary for your small business. Remember, Personal Auto insurance does not cover commercial vehicles involved in an accident. Without Commercial Auto insurance, you could be facing costly bills for property damage, medical and disability expenses, and liability claims.
- Cyber Liability Insurance: Each year in America, thousands of cyber attacks occur against businesses of every size. The Department of Health and Human Services saw over 8,100 data breaches in 2016 alone, and that number is increasing steadily every year. As a small business owner, investing in Cyber Liability Insurance could help lift the financial burden of a cyber crime. Hacking attacks frequently result in private data leaks, identity theft, and temporary business closures. The damage levels can be extremely costly and time-consuming to repair.
How Do I Get Small Business Insurance in Nebraska?
AmVenture makes it simple to provide your small business in Nebraska with affordable, broad insurance coverage. To discuss our highly-rated products and how to reduce your liability exposure, fill in our online form today, and one of our knowledgeable representatives will contact you shortly. Together, we can secure an insurance package to help safeguard yourself, your valued employees, and your company's bright future.