Small Business Insurance

It provides protection against liability risks, helps you comply with legal requirements, and can give you and your clients peace of mind. Sometimes, it can be the difference between staying in business and closing your doors.

Unfortunately, having small business insurance isn’t enough sometimes. You might’ve gotten a cheap insurance policy with gaps and exclusions that are exposing you, so when a claim occurs, you find out you’re not covered, and now you’re paying more out of pocket. Also, your insurance carrier may drop or cancel your coverage when a claim occurs. Do you want cheap insurance that jeopardizes your business or do you want a TRU Insurance solution that actually covers you, backed by an insurance partner who stands by your side when things go wrong? XINSURANCE has been helping small businesses from all industries for over 40 years. Contact us today if you want a quote for your business!

Some forms, such as General Liability Insurance, are required by law, but this depends on your state and industry.

A BOP typically combines General Liability Insurance, Commercial Property Insurance, and Business Interruption Insurance into one package. XINSURANCE goes beyond the traditional insurance policy by offering specialty coverage such as commercial auto liability, alleged assault and battery liability, active shooter liability, communicable disease coverage, and much more.

Yes, and it’s recommended to have insurance in place on day one to ensure you’re protected from any initial risks.

Personal auto insurance often doesn’t cover business use. You may need Commercial Auto Insurance for vehicles used for business. We can easily provide solutions for commercial auto insurance if you need it on your policy.

General liability insurance can cover claims made against you for bodily injury and property damage sustained by third parties.

Small businesses typically obtain general liability insurance coverage. Depending on the conditions and exclusions of the policy, general liability insurance typically does provide coverage for accidents involving bodily injury or property damage arising from your negligence. As a business owner, however, you may want to expand your coverage to also include professional liability insurance coverage. This kind of coverage broadens your protection. Professional liability insurance typically provides coverage for wrongful acts (like bad advice or instructions) resulting in damages that may be something other than bodily injury or property damage (like lost investment opportunities).

Yes, your policy will include a deductible or self-insured retention (SIR), depending upon the type of coverage you choose. Physical damage coverage will include a deductible, and liability coverage will include a liability deductible or an SIR. The SIR is a specified dollar amount you must pay before your policy responds to a loss. The deductible is a portion of a covered loss that the insurer does not pay. We can customize the deductible/SIR amount to fit your business’s needs.

Absolutely, we are agent-friendly! Insurance agents come to XINSURANCE all the time for their clients’ specialty liability insurance needs.

The cost varies based on your business type, size, industry risks, coverage selected, and other factors. It’s best to contact us and tell us more about your business so we can give you a personalized quote.