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Business Insurance

Commercial insurance is the critical safety net to help protect your small business.

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Small Business Commercial Insurance

NAVIGATING A COMPLEX LANDSCAPE

A Range of Insurances Offered

We work by your side to help you understand the spectrum of insurances available, identify your exact needs, and assist in selecting the right option.

Property Insurance

A small business’ real estate and assets are often a great deal of the company and owner equity. It needs protection. Loss, damage, or theft introduces many challenges, while property insurance helps to work through a difficult time. This can protect your physical location, furniture, fixtures, equipment, inventory, and even data.

General Liability Insurance

General Liability Insurance or business insurance helps cover the legal expenses in the event your company is sued. This can be any time your business is blamed for negligence by you or even your employees, whether it be physical or reputational harm, damage to a property, or to cover medical expenses.

Workers' Compensation

Workers’ Comp is a mandatory insurance for a company with at least one employee.

WC insurance sets a process for how you handle, and pay for worker injuries and illnesses. It can cover both medical care costs and wages, while protecting your business and employees alike.

It can be modified based on the number of employees, the type of work, and the specific risks associated with the industry.

Business Interruption

Business income or business interruption insurance is coverage when things out of your control go wrong, whether due to an accident or a natural disaster. BI insurance helps keep payroll going and expenses covered while you recover and get operational again. This is the type of coverage that’s crucial during unprecedented times.

Professional Liability

Also known as Errors and Omissions or E&O insurance, generally protects professional businesses from liability related to their mistakes or failure to perform a service.

E&O is common in accounting, legal, IT, and investment fields, but even extends to electricians, plumbers, and other tradespeople.

Commercial Auto Insurance

Business auto insurance operates similarly to personal auto, but extends to protect the entire business in the event of a collision or accident.

A business that relies heavily on vehicles, like trucking or delivery/courier companies, will need this insurance. Nonetheless, any business that has a vehicle on the books, and even in cases of worker-owned cars, can be protected.

Insurance Is a Practical and Legal Necessity

Commercial insurance is not merely a practical necessity but often a legal requirement as well. Many states mandate businesses to carry certain types of insurance such as workers’ compensation, unemployment, and disability insurance. From a practical perspective, it provides protection against unpredicted substantial losses that could otherwise jeopardize the continuity of the business.

More Expertise

The Smyth Business Solutions team is built on guidance and expertise, with a depth of knowledge. Our team’s experience is what allows us to create solutions catered to New England small businesses for maximum protection aligned to real needs, and in a cost-efficient manner.

Our Specialties

We SUPPORT OUR CLIENTS THROUGH ALl TYPES OF BUSINESS INSURANCE Needs
GENERAL LIABILITY PROFESSIONAL LIABILITY / E&O WORKERS’ COMPENSATION BUSINESS INTERRUPTION COMMERCIAL PROPERTY COMMERCIAL AUTO CYBER LIABILITY BUILDERS’ RISK

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1665 Hartford Ave.
Suite 32 Johnston, RI 02919

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401-227-9256

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office@smythbiz.com

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M-F: 9am - 5pm