Small Business

Give Your Business the Edge

Insurance doesn’t have to be a hassle for the small business owner. Done right, insurance can be a competitive advantage.

Small Businesses, by nature, are more sensitive to the negative effects of natural disasters, lawsuits and accidents. The good news is that insurance, when properly designed, will give you the advantage to:

• Rebuild and replace your building and inventory
• Defend against costly lawsuits
• Replace lost income after a disaster

Whether your company is new and looking for coverage for the first time or already has a policy in place it is important to understand how the coverage works. Often times small business owners lose money by either not filing a claim that would be covered or end up paying out of pocket for expenses they thought they had coverage for.

We understand that our job as brokers is to represent you, the small business owner, by helping design the policy that fits your needs then negotiating on your behalf for the best value. However, we go a step further and provide you with solutions to help you manage your cash flows. Some of which include:

• Pay-As-You-Go programs for Workers Compensation premiums through your payroll companies
• Monthly Payment Options for all types of insurance
• Premium Forecasting for changing business cycles

For a partial listing of small businesses categories/industries that we commonly insure click here.

Please note: This is not a complete list. If you do not see your business’ specific category listed call us at 800-243-8134 or send an email to businessinsurance@icnegroup.com. We have the ability to insure various industries and work with multiple carriers to find the right coverage for your business.