Hanover, PA Business Insurance
Serving businesses in Hanover, York, Gettysburg, Spring Grove, Littlestown and the surrounding Pennsylvania and Maryland areas since 1972.
As a business owner, you spend your days helping your customers by focusing on demanding business activities. The last thing you want or need to worry about is your business insurance. You deserve to work with an independent insurance agency that understands what it takes to run a successful business in the local community.
The truth is, no matter how much time you commit to getting things right, something can go wrong. Customers can trip and fall walking in the door, an unexpected fire can destroy your building or office, pipes can break and flood your office, or an employee can cause an accident while driving the company vehicle. Each of these can cause an unneeded amount of stress. Business insurance helps protect you and your life’s work during those moments you have zero control over.
Why Do You Need Business Insurance?
A number of small to mid-sized businesses think they do not need to invest in the coverage. Consider these statistics before you make that decision:
- More than 40% of small businesses are expected to suffer from a claim in the next decade.
- 62% of small to mid-size businesses suffered from a cyber attack resulting in a claim in 2015.
The right business insurance protects you from a wide array of potential claims and there are multiple policies to consider during your insurance journey:
Businesses need auto insurance specifically designed for their services. It protects you in the event an employee causes an accident while driving the company vehicle. It protects and pays if your business is legally responsible for injuring another individual and in the event they file a lawsuit against your business as a result.
Business liability insurance offers coverage when a customer injures themselves on your property or in the event you damage a customer’s property while at their home doing work.
Business property insurance covers fire, theft, water damage, and vandalism. Each of these incidents is unplanned and can force you to close your doors with no protection. Your insurance will help you rebuild what is lost – building, computers, tools, and signs are a few examples to think about.
The best business property policies include coverage for business interruption or loss of business income which helps you continue living. It pays for lost profits and fixed expenses like rent while you rebuild.
Employment Practices Liability
Employment Practices Liability or EPL insurance fills the gaps in coverage left by your business liability insurance. It protects businesses against discrimination, harassment, and wrongful termination lawsuits. Upset employees press charges and an EPL policy is the coverage available to pay the high defense and litigation costs.
The majority of businesses have employees. Pennsylvania and Maryland require these businesses to carry worker’s compensation. Work comp insurance pays medical expenses associated with an employee getting injured while working for your business.
- Gather your existing commercial business insurance policies.
- Make a list of services you offer.
- Create a list of your employees and payroll expenses.
- Contact our office to make sure you have the right business insurance in place.
When was the last time your insurance agent asked you about any changes or improvements to your business or property? Chances are, never. Rumbaugh Insurance is different from the typical insurance agent. We believe in our customers and their business. Our team actively works with you to find the best insurance that protects you for what you do.
Our local communities started relying on us in 1972 and they haven’t stopped. We believe in business owners and know you add a needed value to your community. Let us help you protect its future. Contact our Hanover insurance agency office at 717-632-6001 or request more information for business insurance online today.