Commercial insurance for small and large businesses is not a minor subject, but most owners likely see it as being no different than their utility bills. The truth is that commercial insurance is what keeps the lights on as much as the power bill does. It also does a lot more than that for the business owners of West Bloomfield, MI. Here are four things to consider before picking out a policy from your friends at Phil Klein Insurance Group.
Your Liability
Even businesses that only have one employee and no physical customers have an obligation to safety. The more people a business works with (either on the customer or employee side), the more the risk goes up. The liability you take on may be more than you think, this means you need to prepare for the worst if something happens to anyone.
Your Back-Up Plans
Some people have intense backup plans when something goes wrong, but most don’t. Do you know how you’ll pay your bills if your building has to close for repairs? Or what will happen if your computer files are hacked? Insurance is the backup plan in the case of a disaster or accident in Birmingham or West Bloomfield, MI.
Your Neighborhood
Some places are more prone to crime than others, but that’s not a reason to fear. Commercial insurance will protect your livelihood if someone does manage to make it onto your premises to wreak havoc.
Your Insurance Company
Who you choose to provide your coverage matters. The Phil Klein Insurance Group has the staff and the resources to find the best commercial insurance policy for you. All you have to do is give us a call to find out more about what we do, and how we do it! Reach out to our agents and let the address any questions or concerns you may have.
