Your business is unique

Business Insurance is necessary for your business. It can be purchased to cover nearly every risk encountered by your business. There are categories of business insurance that cover specific risks.

When considering what types of policies your business needs, it can quickly become very confusing to keep the terms straight. An easy way around this dilemma is to keep in mind that all business insurance and all policy types cover one of four things: property, liability, people or income.

Property: The property used in your business such as the structure you do business in or the vehicles used in your business need to be protected. Property and Casualty policies protect property.

General Liability: Insures the individual for financial loss that may result from bodily injury, personal advertising injury, contractual liability, products & completed operations, fire legal liability and med pay.

Professional Liability: Protection from Error or Omission.

People: At the heart of every business are its people. You and your officers, managers and employees are the company's greatest assets and must be protected. People are protected by workers compensation policies, health and life insurance policies.

Income: Without income the business does not survive. In the event of a catastrophe, a business interruption policy can provide income or allow your business to be set up in a temporary location to earn income.

By preparing a list of property, potential liabilities, people and income categories for your business we can help you get a good overall sense of what types of policies you will need.

Your business is unique. Your business needs a business insurance plan that fits your business.


Means of assessing risk vary widely between professions. Alpha can evaluate your business to find the right coverage for your company.

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