You’ve spent years working to attain your education, build your skills, and gain a reputation that people can trust. We believe it’s important that you work with an advisor who has done the same. Your risks are specific to you, and working with an advisor who understands that is essential to building the policy you need.
Let’s protect what matters most to you.
Products & Coverages
When you have a retail component to your practice, stock such as eyewear can be highly attractive to thieves. Your products and inventory are an important source of income and the cost to replace these items could really set your business back financially. While there are numerous loss prevention strategies you can take, having the right insurance policy in place is essential.
If your business stores sensitive client information, bank records, or any other vital information on its computer systems, then this coverage is essential. As a business owner, it’s important to be realistic about the risk cybercrime poses. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation.
When most people think of insurance, they think about physical assets like their buildings and equipment. If a substantial loss occurs, like a fire burning down your building, it’s great that you have property insurance in place, but all that policy is going to cover is the cost to rebuild your building. What about all the income you’re losing because your business is now closed? Business interruption insurance is an absolute must when it comes to protecting your business from a significant financial loss.
Equipment Break Down
The loss of a vital piece of equipment could undoubtedly impact your ability to operate your business. This coverage was designed to protect your equipment from losses that are typically excluded under a general equipment policy. Insured items could be anything from your most complicated piece of equipment, to your phones (the life lines of your day-to-day business operations).
Errors and Omissions
We’re all human, which means we aren’t perfect. Errors and Omissions insurance is designed to protect you in case of errors or mistakes that are made while providing your clients with professional services or advice. In most cases, you will be able to purchase this coverage through your association. In circumstances where this isn’t an option, our experienced team at Harvard Western Insurance would be happy to help.
General Commercial Liability
Don’t let a potentially substantial lawsuit be the undoing of all your hard work. Accidents happen, and if one occurs – having a general commercial liability policy is essential.
Your office is a place where first impressions are formed and trust is built. In order for these things to happen, you fill your office with a variety of important equipment and contents. Protecting these items in the event of a loss is essential to quickly getting you and your practice back up and running.
Connect with our team of experienced advisors so we can help analyze your risks and match you with the best protection options for your unique needs.
Most business owners agree, their employees are the lifeblood of their business, which makes the attraction, retention, and most of all the well-being of your employees a top priority. Employee group benefits are an effective way of making sure the hardworking talent you attracted not only continues to work, but continues to work for you!
Already have a plan in place? It may just be time for a review. Let our experienced team help make sure your plan is competitive and running smoothly.
Book your free review today.