Do you retain personal, sensitive, or confidential information about your clients and customers? Do you participate in e-commerce or provide digital solutions to your clients and customers? If so, consider cyber protection. It is an often-overlooked and an underestimated risk to independent businesses.

Workers’ compensation provides benefits to your employees who are injured or fall ill due to their employment.

Though typically required by law, many small businesses are exempt from providing this coverage due to their size. But you may still be able to purchase workers’ compensation coverage for your employees.

Consider this coverage if you have employees. Employment practice liability coverage provides protections against the risks of employing others. Think of: wrongful termination, mismanagement of benefits, or wrongful discipline.

If you own, rent, or hire vehicles to operate your business, or use employees' vehicles, then you should consider commercial auto insurance! Commercial use of your personal automobile is not covered by a typical auto policy and you may be at risk.