In the hustle and bustle of the holiday shopping season, it’s easy to get swept up in the excitement of big-name retailers and online giants. However, nestled between Black Friday and Cyber Monday is a day that champions local businesses and celebrates the heart of communities – Small Business Saturday. This annual event, which falls on the first Saturday after Thanksgiving, serves as a reminder of the importance of supporting small businesses and the impact they have on local economies.
As a local small business owner, it’s important to protect your business with an insurance company you can trust.
Whether it is providing decoration for a home, gifts for friends, or mementos from a trip, your customers trust your business to help them purchase the products that best fit their needs. In the same way, it is important for you to have an agent that will help you purchase insurance that best fits your needs.
In addition to property and liability insurance, there are other key coverages to review with your agent including:
Employment Practices Liability
Provides coverage, including defense costs, for wrongful employment acts. This may include harassment, wrongful termination, discrimination and more.
Employee Benefits
Provides coverage for negligent acts, errors or omissions on you in the administration of your employee benefits program.
Cyber Liability
Protects sensitive customer information that you collect and store electronically, along with protection for your computer system from potential harm.
Business Income and Extra Expense
Protects you against lost revenue and extra expenses you may incur while your business is being repaired or reconstructed from a covered loss.
Electronic Data Processing Equipment
Covers direct damage to unscheduled electronic data processing equipment. Auto-Owners has you covered for your payment processing system.
Employee Dishonesty
Covers the dishonest acts of any of your employees and covers your business personal property, including money and securities.
Money and Securities
Covers loss of money and securities inside and outside the property.
Provides coverage for both medical and wage loss if an employee is hurt on the job.
Small Business Saturday is more than just a shopping day; it’s a celebration of community, resilience, and the unique qualities that make local businesses the heart and soul of our neighborhoods. By safeguarding your business with the best insurance program, you can focus on serving the community with peace of mind that your business is protected.
Source: Auto Owners Insurance
