Don't leave everything to chance; keep yourself protected with an insurance
You’ve taken a big risk by starting your own business. Let us help you protect and grow that business with insurance customized to help meet your needs. We at Hecht-Stout Insurance Agency will assess your business and provide cost-effective solutions that keeps your business protected.
Most businesses will need a business owner’s policy (BOP). A BOP combines business property, business liability and business income insurance in one policy.
Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses.
Your networks and data are the lifeblood of your business. From your brand reputation to the employee and financial data, cyberattacks are increasing in their frequency and intensity.
General liability insurance protects you and your business from “general” claims involving bodily injuries and property damage.
As a businessowner, you need insurance coverages for the cars, trucks, vans or other vehicles you use in your business as you do for vehicles used for personal travel.
You’ve worked hard for the success of your business — and a single unfortunate event could put its assets at risk if the cost of a covered claim exceeds the limits of your business liability insurance.
Employment-related risks are among a business’s most potentially damaging exposures, often centering around sexual harassment, wrongful termination, or discrimination.
Mistakes happen. But even an innocent error on your part could lead to a client bringing a lawsuit against you for negligence.
In today’s complex operating environment, D&O claims brought by stakeholders such as shareholders, customers, vendors, competitors, suppliers, regulators, and creditors, present increased risk for companies across all industries.
The place you do business says a lot about your success. Maybe your wholesale company acquired a second warehouse.
From theft and vandalism to social engineering and employee fraud, your company faces a wide array of potentially costly risks.
Because every construction project is unique, each builder’s risk policy is different.
Serving alcohol at a special event or owning a business that serves alcohol always involves an element of risk.
To run your business, you need guarantees for contracts and other financial obligations. A surety bond is a promise to be liable for the debt, default, or failure of another.
Don’t let the term “inland marine” confuse you. As opposed to “marine insurance,” which covers products when transported over water, inland marine insurance covers products, materials and equipment when transported over land
Today, greater risk exposure is coming from environmental liabilities that are likely not insured under standard liability insurance and property programs.
Commercial property insurance protects your business against equipment and machinery being damaged by fire, flood and other external risk.
Most maturing small businesses have a core group of key individuals who are absolutely essential to the profitable operation of the company.
Fiduciary liability insurance protects individuals or entities who oversee employee benefit plans from claims they mismanaged those plans in breach of their fiduciary duty.
Whether you’re an event planner, marketing agency, or just a family throwing an elaborate wedding, special event insurance can step in when you’re sued over the property damage, accidents, or injuries that crash your party.
Captive Insurance helps you take control of your insurance: reduce your costs and tailor coverage to your specific needs.
Most business insurance policies don’t cover losses resulting from floods, and if you’re located in a low-risk flood area, you might be tempted to bypass this important coverage.
It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options
If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.
Contact us today to help you with multiple options to choose from.
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