We can customize a policy to fit the unique needs of your business
Business Insurance
Whether you're a new business just starting out, or an established business exploring your options with the nation's best small business insurers, the thing we want you to know is this…we're a small business, just like you! You may have questions about the coverage you need, or a concern about a claims experience from the past. Chances are we've heard it before, or experienced it ourselves. We can offer our experience, professional insurance advice, and a competitively priced portfolio of business insurance products including those listed below.
Business Owners Policy (BOP)
The most cost-efficient way for small businesses to purchase the insurance they need is with a Business Owners Policy (BOP). The BOP is a neatly packaged combination of the most important lines of coverage that protect your building or equipment, your business liability, and loss of revenue from business interruption, all at a fraction of the cost of buying each line of coverage separately. In addition, the BOP may include a broad array of industry-specific coverage options and coverage extensions that can be tailored to your needs.
So are all small businesses eligible for a BOP? No, but almost! With the mix of business insurance carriers we represent and their ever growing appetite for small business accounts, we provide a BOP perfectly suited for virtually any small business. We currently offer a BOP product to hundreds of individual business classifications in the following industry segments:
- Office
- Building Owners
- Business Services
- Restaurants
- Condominium
- Retail Stores
- Artisan Contractors
- Garage
- Technology
- Wholesalers
- Manufacturers
Business Auto Coverage
Does your business own a vehicle? Are you using your personal vehicle in business? Many personal auto policies exclude coverage if a vehicle is used primarily for business purposes. Commercial auto insurance covers automobiles, trucks and vans used for business. Most commercial policies also cover your business for the liability incurred when employees use their own cars for your business. Speak with us about your situation. In general, if your business is eligible for our BOP program, we can also insure the business auto.
Worker's Compensation
As a small business owner, your employees are one of your most important assets. Worker's Compensation coverage provides the remedy if your employee suffers a work related illness or injury that involves medical treatment, prescription drugs, rehabilitation, as well as lost work time. Most employers are required by law to provide Worker's Compensation coverage, and the state can impose severe penalties on employers who don't. If you're unsure of how the Worker's Compensation requirement applies to your business, ask us. In most cases, if your business is eligible for our BOP program, we can also provide you Worker's Compensation.
Commercial Umbrella Liability
How much business liability coverage is enough? The Commercial Umbrella provides additional liability limits for catastrophic losses that exceed your other business liability policies. Written along with the BOP and Business Auto, the Commercial Umbrella may be available in limits from one to ten million.
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Bill White Insurance Agency
4650 S. National Ave., Suite A-2
Springfield, MO 65810
417.881.0124 Phone
417.881.8590 Fax