Being a small business owner in Ohio is a big undertaking. When you're juggling your company's everyday operations, seeking out new clients and investors, and overseeing your employees, insurance is probably the last thing on your mind. We're here to tell you that insurance isn't something to take lightly. Without the proper coverage, an employee's slip-and-fall accident or a collision involving company-owned vehicles could send your business spinning toward bankruptcy. After all, the associated costs like medical bills and liability claims add up quickly, and while insurance can help shoulder that financial burden, you'll be left to lift its weight yourself.
Through AmVenture, we offer affordable, top-rated insurance that doesn't skimp on coverage. Keep reading to discover more about our state-mandated and optional products, and how they can safeguard your small Ohio business.
What Does It Cover?
Your company's insurance needs depend on a variety of factors, such as your workplace's size and the industry you belong to. That's why AmVenture forgoes cookie-cutter solutions and focuses on building ironclad coverage packages, which are created individually for each small business. Before beginning to customize your bespoke insurance through AmVenture, here are several popular products in Ohio you may want to consider:
- Businessowner's Policy (BOP): To offer you a reduced rate, a businessowner's policy (BOP) bundles together a few insurance products. For instance, an Ohio BOP can include general liability insurance, property insurance, and business interruption insurance. So, in the event of workplace closure caused by a covered natural disaster, property damage, or third party claims against your small business, this trio of products helps keep you covered.
- Commercial Auto Insurance: If you're using a personal vehicle for commercial purposes, your personal insurance probably won't cover any damages or medical bills resulting from a collision. Consequently, commercial auto insurance becomes a necessity. In general, this product is designed to cover vehicle repairs and doctor's visits, and it can cover your business in the event of liability lawsuits.
- Cyber Liability Insurance: Cyber crime rates are rising in the USA and throughout our global community. According to Statista, each year, American businesses reportedly lose more than $525 million as a result of online attacks. A portion of these loses can be covered by the right insurance coverage. Cyber liability insurance can help businesses afflicted by costly hacking attacks. These crimes often have expensive consequences including identity thefts brought about by online leaks of clients' private data.
How Do I Get Ohio Small Business Insurance?
Don't leave your small business exposed to costly liabilities. Fill in our quick online form, and a friendly AmVenture representative will contact you soon to discuss your options. No matter your budget or business needs, together, we can create a versatile and dependable coverage plan to help safeguard your company's happy future in Ohio.