Small Business Insurance

Small business insurance protects your company from financial losses due to property damage, liability claims, employee injuries, and operational risks. It helps ensure your business remains stable and operational in case of unexpected events. 

Any business with employees, physical assets, customers, or operational risks should have small business insurance. We provide coverage for:
✔ Independent Contractors & Freelancers
✔ Retail Stores & Boutiques
✔ Restaurants & Food Service Businesses
✔ Local Service Providers (Salons, Auto Repair Shops, Cleaning Services)
✔ Small Healthcare Practices (Dentists, Chiropractors, Therapists)
✔ Real Estate Agents & Property Managers 

✔ Small business insurance is designed for local businesses, startups, and entrepreneurs with simpler coverage needs.
✔ Commercial insurance is for larger businesses with multiple locations, high revenue, and more complex risks. 

We offer a range of policies, including:
✔ Business Owners Policy (BOP) – Bundled property and liability coverage for small businesses.
✔ General Liability Insurance – Covers lawsuits, customer injuries, and property damage.
✔ Commercial Property Insurance – Protects your office, storefront, and inventory.
✔ Workers’ Compensation – Covers workplace injuries and medical costs for employees.
✔ Cyber Liability Insurance – Protects businesses that handle customer data or online transactions.
✔ Professional Liability (Errors & Omissions) – Covers businesses that provide professional services or advice. 

 Some types of small business insurance may be legally required, such as:
✔ Workers' Compensation – Required for businesses with employees.
✔ Commercial Auto Insurance – Required for company-owned vehicles.
✔ General Liability Insurance – May be required by landlords or clients. 

The cost varies based on business size, industry, number of employees, and coverage needs. Our agents will work with you to find the best policy at a competitive price. 

✔ Bundle multiple policies (e.g., BOP, liability, and property).
✔ Implement safety measures to reduce workplace risks.
✔ Maintain a claims-free history and review coverage annually.
✔ Work with Meyer & Cook to customize a cost-effective insurance plan. 

Yes, home-based businesses are not always covered under homeowners’ insurance. A home business insurance policy can provide protection for business equipment, liability, and lost income. 

Your insurance should evolve with your business. We recommend reviewing your policy annually or when expanding, hiring employees, or offering new services. 

Getting started is easy! Contact our team at (916) 776-1751, email us at bmc@meyerandcook.com, or click here to schedule a free consultation.