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2022 Quick Guide to Business Insurance



If you’re a business owner, then you know that every business is unique. When it comes to protecting your business against unforeseen events, there is no one-size-fits-all solution. That’s where your local independent insurance agency comes in.


The advantage of working with an independent agency like Peterson Insurance Group is that they have greater flexibility and better options to create coverage to suit every need.


Cover the Basics


No matter the industry, most businesses need to consider basic protections.


  1. Coverage for property and vehicles

  2. Umbrella business policies

  3. Business and professional liability insurance


These basic protections are a great place to start and a local insurance agent can help you create the right policy to cover your business's needs.


Protect Your Team


Unless you're a team of one, chances are there are employees to think about - which comes with its own set of considerations. Worker's Comp is only one coverage you need to think about. With a team of any size, you should also speak to your local agent about employment practices liability services.


Do you have employees who use technology like computers, tablets and cell phones? Data Breach Coverage can help protect businesses who deal with sensitive information. This type of coverage may even be required by law depending on your industry and location. That's why it's best to consult your local insurance agency, like Peterson Insurance Group, who have the knowledge and expertise to provide guidance.


Cover the Unexpected


Life throws everyone curveballs; but for small business owners it can seem never ending. It's important to be prepared for every eventuality - no matter how unthinkable they may be.


-Crime, Theft, and Fraud Insurance are a good idea for every business. It's never nice to think you may need protection from threats like these, but it's best to be realistic. You can't predict the future so it's better to prepare for it.


-Another coverage option you probably haven't considered is Key Person Life Insurance and Business Continuation. Have you taken the time to think about what will happen if the unimaginable takes place? What would happen to your business, your employees and their families if you were suddenly gone?


Protect What’s Important


Starting and owning a small business is hard work, and all that effort is wasted if it isn't adequately protected. Fortunately, you don't have to think of everything yourself. A local insurance agent has the tools and experience to help you put a plan in place.


 

Peterson Insurance Group is a family owned and operated independent insurance agency representing multiple insurance companies located in Weaverville, NC. Founded in 2001, the company is owned by Eirene Peterson-Burnette, the successor to the founder, Stom Peterson. Together, with her team, Peterson Insurance provides exceptional, personal service guiding customers through the maze of insurance options. Visit us at 1 South Main Street Extension, Weaverville, NC 28787 or call 828-645-8777.

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