I’m just getting my business started. Do I need insurance right away?

Yes, because the chance that you could suffer a loss begins with the first day of business. You can’t get help after the fact. If you suffer a loss and have no insurance or have improper or insufficient coverage, there is very little, if anything, your agent can do to help you. You must be prepared for the risks that are inherent in any business and the losses, sometimes catastrophic, that they can cause. Also, many states and local jurisdictions require that businesses be insured to begin operating, especially worker's compensation insurance. And if you rent space for your business, your landlord probably requires that you be adequately insured as well.

What types of property do I need to insure?

Your business may not possess all the following types of property, but you can use this list to make sure that you have considered all the property categories and any insurance coverage that may be warranted: Buildings and other structures (owned or leased) Furniture, equipment, and supplies Inventory Money and securities Records of accounts receivable Improvements and betterments you made to the premises Machinery Boilers Data processing equipment and media (including computers) Valuable papers, books, and documents Mobile property such as automobiles, trucks, and construction equipment Satellite dishes Signs, fences, and other outdoor property not attached to a building Intangible property (good will, trademarks, etc.) Leased equipment To establish the amount of insurance you need on each, your insurance agent can help you review the types of property you own and their uses.

What types of property insurance should I consider buying?

The best thing to do is to take a complete inventory of all your business property, determine all of its value, and decide if each is worth insuring. Then check to see that the items on the inventory list are included in the basic business property policy and covered for the correct amount. If not, ask your agent about the cost of purchasing additional coverage to meet your needs. You also need to consider your business situation. Are you planning a major expansion? Does your inventory have a decidedly peak season (like a toy store in December)? Or does it fluctuate throughout the year (like a clothing store)? Is your liability limit high enough in light of the new job contract you just signed? Business policies are designed to be added to or subtracted from to meet your needs. Be sure to discuss changes to your business with your agent so that he or she can be sure your policy still provides adequate coverage.

Business Insurance | Findlay, OH

Protect Your Enterprise With Business Insurance

At Huston Insurance, we're committed to safeguarding your business's future. Our comprehensive commercial liability coverage guarantees you're protected against unforeseen risks. We'll help you navigate the complexities of insurance policies, making sure you understand exactly what's covered.

Our services include:

Commercial liability insurance
Comprehensive general liability coverage
Policy coverage analysis

Don't leave your business vulnerable. Call an agent at Huston Insurance today to secure your company's future.

Is Your Business Adequately Protected?

Many businesses underestimate their insurance needs. Huston Insurance can help you identify potential gaps in your coverage. Here are some signs you might need to reassess your business insurance:

Uncertainty about your current policy coverage
Recent business expansion or changes
Concerns about potential liability risks
Desire for more comprehensive protection
Questions about general liability coverage

If any of these resonate with you, it's time to consult with Huston Insurance. We're here to make sure your business has the protection it needs and deserves.

Looking Out for Your Business's Future

In today's dynamic business environment, proper insurance coverage is crucial. Huston Insurance offers tailored solutions to protect your enterprise. Here's why you need robust business insurance:

Mitigate financial risks from unexpected events
Protect against liability claims
Ensure business continuity during crises
Comply with legal and contractual requirements
Enhance credibility with clients and partners

Don't wait for a crisis to strike. Contact Huston Insurance to fortify your business's defenses today.

Reap the Benefits of Our Insurance Experience

When you choose Huston Insurance, you're partnering with a trusted name in the industry. Our commitment to excellence sets us apart:

Over 30 years of insurance expertise
Two convenient locations in Findlay, OH and Ottawa, OH
Virtual consultations available
Locally owned and operated
Swift quote turnaround
Responsive customer service
Potential savings through bundled policies

Get in touch with us to find out how we can protect your business.

Call for Business Insurance Coverage

Your business deserves the best protection available. At Huston Insurance, we're ready to provide you with tailored business insurance solutions that address your unique needs. Whether you're in Findlay, Ottawa, or anywhere in the northwest Ohio area, we're here to serve you. Don't leave your business's future to chance. Contact Huston Insurance and let us help you build a robust shield against potential risks and liabilities.

I’m just getting my business started. Do I need insurance right away?
Yes, because the chance that you could suffer a loss begins with the first day of business. You can’t get help after the fact.

If you suffer a loss and have no insurance or have improper or insufficient coverage, there is very little, if anything, your agent can do to help you. You must be prepared for the risks that are inherent in any business and the losses, sometimes catastrophic, that they can cause.

Also, many states and local jurisdictions require that businesses be insured to begin operating, especially worker's compensation insurance. And if you rent space for your business, your landlord probably requires that you be adequately insured as well.
What types of property do I need to insure?
Your business may not possess all the following types of property, but you can use this list to make sure that you have considered all the property categories and any insurance coverage that may be warranted:

Buildings and other structures (owned or leased)
Furniture, equipment, and supplies
Inventory
Money and securities
Records of accounts receivable
Improvements and betterments you made to the premises
Machinery
Boilers
Data processing equipment and media (including computers)
Valuable papers, books, and documents
Mobile property such as automobiles, trucks, and construction equipment
Satellite dishes
Signs, fences, and other outdoor property not attached to a building
Intangible property (good will, trademarks, etc.)
Leased equipment

To establish the amount of insurance you need on each, your insurance agent can help you review the types of property you own and their uses.
What types of property insurance should I consider buying?
The best thing to do is to take a complete inventory of all your business property, determine all of its value, and decide if each is worth insuring. Then check to see that the items on the inventory list are included in the basic business property policy and covered for the correct amount. If not, ask your agent about the cost of purchasing additional coverage to meet your needs.

You also need to consider your business situation. Are you planning a major expansion? Does your inventory have a decidedly peak season (like a toy store in December)? Or does it fluctuate throughout the year (like a clothing store)? Is your liability limit high enough in light of the new job contract you just signed?

Business policies are designed to be added to or subtracted from to meet your needs. Be sure to discuss changes to your business with your agent so that he or she can be sure your policy still provides adequate coverage.

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Protect Your Enterprise With Business Insurance

Is Your Business Adequately Protected?

Looking Out for Your Business's Future

Reap the Benefits of Our Insurance Experience

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Business Insurance FAQs

I’m just getting my business started. Do I need insurance right away?

What types of property do I need to insure?

What types of property insurance should I consider buying?

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