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Insurance cover for small businesses in Indiana
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Professional Liability Insurance (or E&O Insurance), protects your small business from claims of mistakes, negligence or malpractice made when providing your services that caused sobody financial loss. PLI covers your legal defense costs, damages and settlements.
Business Owners Policy (BOP) protects you from business liability and property damage at a lower cost. BOP covers claims resulting from fire, theft & disasters. BOP also covers claims of bodily injury or property damage during your business operations.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
Frequently Asked Questions
How much General Liability insurance do I need in Indiana?
Most businesses carry at least $1,000 per occurrence. But the total coverage you specifically need greatly depends on the size of your business, risks and financial stability.
What will happen if I don’t buy an insurance for my business in Indiana?
Without insurance, you are risking yourself and your business into paying huge amounts, and other financial challenges, should an unlikely incident or event happen.
How much does business insurance cost in Indiana?
Business insurance prices vary depending on the carrier. They use different criteria to calculate cost, and your experience, loss history, services and safety policies adds up to the premium computation.
What do I need to get an insurance quote in Florida?
The basic requirements for getting an insurance quote typically include completed applications, business licenses and claims history. Other documentats might be needed per company protocols.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: