Whether you are a large company or a startup, you need business insurance to keep your operations up and running even after an unfortunate event. It is also your legal and moral obligation to protect your employees.
Different business risks are covered by different policies. Business insurance generally provides coverage for property damage, customer/client injuries, employee injuries, damages and losses arising from a road accident caused by your commercial vehicles, and even cyber-attacks.
Business Insurance Solutions in Oklahoma, Texas, & Missouri
If you are an Oklahoma business owner, particularly in the Tulsa area, we at Hometown Insurance Agency offer a wide selection of business insurance policies. These include:
Workers’ compensation insurance
Businesses in Oklahoma with five or more workers, who are not in any way related to the owner, are required by law to purchase workers’ compensation insurance. This provides cover for work-related illnesses or injuries. This allows your employees to receive medical care and lost wage replacement. Legal expenses, in the event your employee or their family files a lawsuit against your company, are covered by this policy as well.
Business owners policy (BOP)
This is a combination of business property insurance and business liability insurance. This safeguards your company against disasters, fire, and theft. Property damage, client and advertising injuries, and product-related claims are also covered by BOP.
General liability insurance
Also known as business liability insurance, this coverage offers protection against various types of claims. These range from property damage and bodily injury liability and medical expenses to customer and advertising injuries and damage to leased space.
Cyber liability and data breach insurance
Businesses take extra care to protect data — business information, consumer, employee, vendor — because sometimes it can be the huge difference between gaining more customers and losing them. You don’t want the latter to happen to you, do you?
Commercial auto insurance
This coverage provides physical damage and liability protection for your business vehicles such as vans, trucks, and cars.
Professional liability insurance
If you are one of those firms offering professional services, this coverage is best suited to you. This pays for legal fees related to professional negligence claims. Professional liability insurance is sometimes referred to as errors and omissions insurance.
Get Customized Coverage for Your Specific Business Risks
There is no one-size-fits-all solution to guard your Tulsa business against all associated risks. But our independent insurance agents can customize policies to suit your business requirements.
Let’s talk. Contact us at 918-408-4598 today.