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Protecting Your Business

Any business— no matter how stable — can be affected by unforeseen circumstances. That’s why it’s vital to protect what you’ve worked so hard to build. The right loss control programs and insurance coverage provides that protection, while giving you one less thing to worry about. Below are some helpful insights when choosing the right policies for your business.

Your business is one-of-a-kind

No one quite understands the dynamics of your business better than you. That’s why, as a business owner, you should partner with an agent who will build an insurance and risk management program with your needs in mind. Policies you need to consider include:

Don’t be held liable

Your business can be exposed to a variety of claims from anyone that comes into contact with it — your products and services, your employees and even your property. You need policies to protect you financially should these claims ever arise.

Don’t leave your property exposed

Property insurance is a must. Your business property can fall victim to many common exposures like fire, theft and storm damage. Your office or shop can be visited by many people on a daily basis and you will not always know that they will respect your property the same way you do. To effectively protect your business, look at property policies that cover a wide range of incidents based on your business’ specific needs.

Consider your vehicles

A company vehicle is often used by multiple associates — with varying degrees of driving ability. Be sure to know who is using your company vehicles, or their own for business purposes. Check driving records as bad drivers can raise your insurance costs or cause you to be turned down.

Safeguard your key players

Every business has key employees. In the case of your business, that person might be you. It also might be an employee whose wealth of knowledge, experience and expertise has become an integral part of your company’s success.

Disability coverage protects your business in the event that a critical team member is injured or becomes ill and is unable to work. Key employee life coverage is a way to use life insurance to protect your business in the event of losing a valuable team member — a loss that would impact your company financially or change the ownership structure.

Protect your team

Work-related injuries can occur with any type of business — be it an office or a construction site. Accidents do happen. And when they do, it’s important to have a workers’ compensation policy in place — in fact, it is legally required for most companies. Benefits include coverage for work-related injuries, as well as compensation to an employee’s dependents in the event of the employee’s death.

Offering health insurance and other benefits to your team is a great way to attract and retain good employees. Though increasingly complex, there are many options when it comes to health insurance. Be sure to choose an agent who understands your business and has the right tools to make sound recommendations.

First Citizens Insurance Services is a well-diversified insurance agency that helps businesses find customized coverage to best fit their needs. To see how their knowledgeable and experienced staff can help assist you, call 1.888.FCB INSURE (1.888.322.4678) weekdays between 8:00 a.m. and 5:00 p.m. Eastern time.


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