Small Business Insurance

Financial Protection for Your Business

Shopping for small business insurance is a vital part of your overall business structure. Having the right kind of coverage in place will allow you to focus on growing your business without worrying about a lawsuit bankrupting your company. Doing business in today’s litigious society requires complete protection from legal actions or to pay the expenses if something goes wrong and you are at fault.

You and your insurance provider are partners in your continuing success, so choosing the right carrier can make all the difference in the world. Colby Insurance works with over a dozen providers, and we can match up your business needs with the right kind of coverage.

Your small business insurance liability needs are important to us. For decades we’ve been working with small businesses on meeting their commercial insurance needs. Call now for one of our dedicated small business insurance agents and, together, you can create a unique insurance package tailored to your business.

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Learn more about small business insurance

Additionally Insured – Lessor of Leased Equipment

Contractors and subcontractors will eventually have to perform a job with rented or leased equipment and the equipment use agreement will include the rental company requiring proof of protection such as a “certificate of insurance”. Further, the rental company will also want to be named as an additional insured to protect their legal liability and

Certificates of Insurance

Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect the coverage provided by a particular insurance policy. Therefore, requests to “endorse the certificate

Disaster Recovery for Businesses

No business wants to face an event that could seriously curtail or even shut down operations. Unfortunately, few businesses have plans to deal with such a disaster. It is not unusual for a business to overlook creating disaster plans. Further, companies that do have disaster or continuity plans in place often fail to update their

Employee or Independent Contractor?

Business owners have a lot at stake when it comes to determining whether persons connected with their ventures are employees or independent contractors. The largest issue with making this determination involves taxes and insurance. A business has specific responsibilities for employees, having the legal obligations to withhold and pay certain taxes (Medicare, Social Security) and

How are Business Signs Covered?

Business signs tell their customers their name, address, hours of operation and so on. Signs may be simple or complex and many businesses typically use lighted signs. The Sign policy created by Insurance Services Office is available to insure against the loss or destruction of signs, including fluorescent, neon, automatic or mechanical models. Coverage also

How to Protect Against Employee Theft

When a business uses insurance and/or loss control to protect itself from losses, the focus is usually upon outside forces. In other words, the assumption is that some event or some party not directly connected with the business will be the source of a loss. While this assumption is legitimate in many instances, it is

Office Functions and Alcohol

The office picnic, office-sponsored sports activities, holiday party, and client party may involve serving and consuming alcoholic beverages. Therefore, a number of questions arise, such as the following: Can our business be held responsible for injuries or damage that results from serving alcohol? Is the current insurance program sufficient to address this concern? Is it necessary to

Umbrella vs. Excess Coverage

A business usually will buy liability coverage for two chief areas. One is to handle its routine, premises liability. The second is to handle liability that is related to the actions a business performs away from its premises or that may address the professional-level obligation it owes to others while providing products, goods and services

Valuable Papers and Records Coverage

Whether a business is a restaurant, a television station, a steel mill, a toy manufacturer or an accounting firm, they have one thing in common; they all have various types of important papers and records. Often documents are routine and their loss would not create a problem. In other cases, loss of certain papers and

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