BUSINESS INSURANCE: PROTECTING YOUR HARD WORK & FUTURE

 Running a business comes with risks, but the right business insurance can help protect everything you’ve built. Whether you own a small local shop or a growing company, we offer tailored coverage to safeguard your property, employees, and financial future.

At Durant Insurance, we understand the unique challenges local businesses face. That’s why we work with top-rated carriers to find the best coverage at the best price, giving you the peace of mind to focus on growing your business.

What Does Business Insurance Cover?

A business insurance policy can include several types of protection based on your industry and needs:

General Liability Insurance

Protects your business from lawsuits and claims related to bodily injury, property damage, or advertising mistakes. If a customer slips and falls or your business unintentionally damages someone’s property, this coverage helps cover legal fees and settlements.

Commercial Property Insurance

Covers the cost of repairing or replacing your building, equipment, inventory, and furniture in case of fire, storms, theft, or vandalism. Whether you own or lease your space, this coverage is crucial for protecting your assets.

Business Interruption Insurance

If a disaster forces you to temporarily close, this coverage helps replace lost income and covers expenses like rent, payroll, and utilities so you can get back on your feet.

Workers’ Compensation Insurance (Required for most businesses with employees)

Covers medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. It also protects you from potential lawsuits related to workplace injuries.

Commercial Auto Insurance

If your business owns vehicles for deliveries, service calls, or transportation, this policy covers accidents, damage, and liability claims involving your fleet.

Professional Liability Insurance (Errors & Omissions)

For service-based businesses, this coverage protects against claims of negligence, mistakes, or inadequate work that result in a financial loss for a client.

Cyber Liability Insurance

In today’s digital world, cyberattacks and data breaches are a real threat. Cyber liability insurance helps cover costs associated with hacking, stolen customer information, and legal consequences from data breaches.

Customized Industry-Specific Coverage

Every business is different. We offer industry-specific insurance solutions, including:
✔ Retail & Restaurant Insurance – Covers customer injuries, food spoilage, and equipment breakdowns.
✔ Contractor & Construction Insurance – Protects against job site injuries, tool theft, and liability claims.
✔ Home-Based Business Insurance – Extends protection beyond homeowners insurance to cover business property and liability.

At Durant Insurance Center we’re here to protect your success, minimize risks, and help your business thrive!  We’ve got your business covered—literally.