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What Business Owners Need to Know About Insurance

Starting your own business is an exciting endeavor. Many people have dreamed of this for years. If you want to see this dream succeed, you must consider how you’ll protect all the hard work and money you’ve invested. Commercial insurance is one of the best ways you can protect what you’ve built. Here at McCluskey Insurance Services LLC, serving Cincinnati, OH, and the surrounding areas, we can help you better understand your insurance needs. 

Why Commercial Insurance?

There are so many layers to running a business, and almost all of those layers need some form of insurance protection. Having multiple insurance policies, though, can be confusing and inefficient. Commercial insurance is specially designed to bundle different insurance policies together to help simplify things for busy business owners. When you purchase a commercial insurance policy, you can rest assured that you’ve got your bases covered with the least amount of stress and headache.

What Coverage Do I Need?

Since no two businesses are identical, no insurance policies will be identical. The best way to determine your coverage is to sit down with an insurance rep. This professional will look at all of the details of your business and will advise you on what types of coverage and what amounts of coverage are best.

What Happens Without Insurance?

Some types of coverage will be required for you to operate your business legally. But even beyond legal requirements, you are putting yourself at extreme financial risk without insurance. If there is significant damage to your property, someone is injured on your property, or someone is injured because of your goods or services, you can be held financially liable, and this can put your business at risk.

If you’d like to learn more about commercial insurance, please contact us today at McCluskey Insurance Services LLC, serving Cincinnati, OH, and the surrounding areas.

Why freelancers need more than just liability insurance

Freelancers often operate as independent contractors and work on their own terms. While they enjoy the freedom and flexibility that come with being their own boss, they also need to take care of their own insurance needs.

Liability insurance is a common insurance policy that most freelancers opt for, but it’s important to note that they need more than just this alone. 

Freelancers need more than just liability insurance because there are many other risks that they face on a daily basis. For example, if you are a graphic designer and your computer crashes, you may lose important client data. In such a scenario, having equipment breakdown coverage can help you replace your damaged equipment and recover this crucial data.

Additionally, if you need to visit a client at their premises, you may need commercial auto insurance coverage to protect you from potential accidents while driving to and from client locations.  In addition to equipment breakdown coverage and commercial auto insurance, there are still other types of insurance that are seriously worth your consideration. 

Disability insurance, for instance, can provide financial support in the event that you are unable to work due to an illness or injury. Business interruption insurance can help cover lost income if you are unable to work due to a national crisis, such as a serious natural disaster or pandemic. 

As a freelancer, you need to make sure that you are adequately protected from all potential risks that you may face in your line of work. 

McCluskey Insurance Services LLC offers a range of insurance solutions to help freelancers in Cincinnati, OH protect themselves and their businesses. Working with an experienced insurance agent can help you understand the risks you face and find the right insurance coverage to meet your specific needs. 

We Are Here To Help

Freelancers need to consider more insurance options than just liability insurance if they want to protect themselves and their businesses. 

Equipment breakdown coverage, commercial auto insurance, disability insurance, and business interruption insurance are just a few examples of the options that freelancers should consider, as they could get them out of an unexpected bind that they encounter in the future.

McCluskey Insurance Services LLC in Cincinnati, OH offers a range of insurance solutions to help freelancers protect themselves from potential risks – both predictable and unpredictable. If you’re a freelancer looking for insurance coverage, give us a call today. In no time, you’ll be talking to an experienced insurance agent who will help you find the right policy options that will best protect you and your business. 

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