Building a small business is more than just a job; it's a passion and a dream. Our tailored solutions provide the protection you need to face the unexpected with confidence, allowing you to focus on what truly matters.
From property damage to liability risks, our all-inclusive policies cover various aspects of your business.
Whether you operate a retail store, a restaurant, or an online service, we provide the protection you need to tackle everyday challenges.
Customizable Plans
Every small business is unique.
Our insurance plans are designed to be flexible, allowing you to choose the coverage that best fits your specific needs. Pay for what you need, and nothing more.
Financial Protection
Avoid financial setbacks with our business interruption coverage.
It helps you maintain income and cover operating expenses during unexpected closures or disruptions, ensuring your business remains resilient.
Liability Coverage
Shield your business from legal claims and lawsuits with our robust liability insurance.
Whether it’s customer injuries or property damage, we provide the legal defense you need to protect your brand and reputation.
Affordable Small Business Insurance in gig harbor
Start Protecting Your Business Today
Don’t leave your business vulnerable to risks. Call today to speak with us and receive a personalized quote crafted to meet your small business needs. Invest in your business's future with Small Business Insurance.
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Step 1
Reach Out to Us
Contact us via phone, email, or our website to schedule a free, no-obligation consultation.
Step 2
Review Your Customized Quote
Receive recommended plans tailored to your specific needs.
Step 3
Select Your Plan
Choose the insurance solutions that best fit your requirements and enjoy peace of mind knowing you're protected.
Step 4
Ongoing Support
We offer ongoing support and proactive advice, adjusting your coverage as your circumstances evolve.
Frequently Asked Questions
Can’t find the answer you’re looking for? Reach out to our customer support team.
What is small business insurance, and why do I need it?
Small business insurance provides coverage for various risks that small businesses face, such as property damage, liability claims, and loss of income. It’s essential for protecting your business assets and ensuring continuity in the face of unexpected events.
What types of coverage are included in small business insurance?
Coverage typically includes general liability, property insurance, business interruption insurance, and professional liability. Additional coverages, such as cyber liability and employee dishonesty, can also be included based on your business's needs.
How is small business insurance different from a Business Owner's Policy (BOP)?
A BOP is a specific type of small business insurance that combines property and liability coverage into one package, ideal for many small to medium-sized businesses. Small business insurance can also refer to individual policies tailored to specific needs.
What factors affect the cost of small business insurance?
Factors include the type and size of your business, location, industry-specific risks, coverage limits, and claims history. We work with you to find competitive rates tailored to your business needs.
Does small business insurance cover natural disasters?
Standard policies cover certain natural disasters like fire and windstorms, but may exclude events like floods or earthquakes. We offer additional coverage options to protect against these specific risks.
What should I do if I need to file a claim under my small business insurance policy?
Contact us immediately if you need to file a claim. We’ll guide you through the process, assisting with documentation and facilitating communication with the insurance provider to ensure a smooth resolution.
Are there discounts available for small business insurance?
Yes, discounts may be available for implementing safety measures, bundling policies, and maintaining a claims-free history. Ask us about potential savings on your policy.
Does small business insurance cover liability for online activities?
Cyber liability insurance can be included to cover risks associated with online activities, such as data breaches and cyberattacks. Discuss your specific needs with us to ensure comprehensive protection.
Why choose Troy Johnson Insurance for my small business insurance needs?
As part of the local community, we offer personalized service, local expertise, and a commitment to understanding your unique business needs. Trust us to provide comprehensive protection with a personal touch.
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