Q: If I have a small business, do I still need Business Owners’ Insurance?

A: Absolutely. The size of your business isn’t the issue – it’s about the risks you’re exposed to as a business owner. Business Owners’ Insurance is intended to protect you from the financial loss your business could face, including:

• damage or destruction to your office equipment or inventory
• loss of income if your business is temporarily closed because of a covered loss
• theft or loss of covered equipment
• crime coverage including robbery, burglary, even employee theft

Q: I’m self-employed and work from home. Do I still need Business Owners’ Insurance?

A: It doesn’t matter if your business is in your home or you work out of a separate building. You need Business Owners’ Insurance. No matter how remote a risk may seem, just one tornado or one personal-injury claim could threaten your financial security.

Q: I’m just starting a business and am looking for basic benefits to satisfy my lease requirements. Can Professional Solutions help?

A: Yes. We’ll discuss your business and your unique needs to find insurance that's right for you.

Q: What kind of protection can I expect from Business Owners’ Insurance?

A: In general, Business Owners’ Insurance combines property insurance and general liability insurance into one package designed to suit the size of your business. It covers the building itself and the contents and protects you from financial losses from claims and lawsuits that result when another person is injured at your business.

Plus, you can customize your benefits with critical protection for computer crashes, replacement of  records, accounts receivable reconstruction, workers’ compensation insurance, and much more.

Also included is protection from business interruption. That means you could continue to receive benefits for up to a year if your business is disrupted due to a fire or other covered loss. It can also pay for the cost of operating out of a temporary location as well as your operating expenses – such as payroll – that continue even if your business is closed.

Q: I already have Business Owners’ Insurance. Why should I check into coverage through Professional Solutions?

A: At Professional Solutions, we specialize in finding the insurance that fits your specific needs. Our staff will be happy to review your existing coverage and help you determine if there are any gaps in coverage or if you may need additional protection. Through our partnerships with leading insurance carriers, we can help you find the peace-of-mind protection you expect.

Q: How do I get this coverage? Will someone come to my office?

A: Rest assured this can all be taken care of by phone, fax or mail. There are no visits to your office so we won’t take you away from your customers.