Small Business Insurance in Your State

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KARI ALLEN, VP SALES, INSUREON: You know, we're the pioneer in the marketplace, we are the number one digital agency, we have our web content and information that we provide small business owners is amazing.

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90% of customers don't understand the coverage they need, so they go to the internet looking for assistance, and that's when we come in to say "not only can we answer your questions, but we can offer a solution for you to compare coverages and get immediate quotes."

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Once you've gone through that process, now you're introduced to a best-in-class sales team that's going to help you through any of those questions that you have, which will help you find the great coverage for your needs and to protect your business.

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Our producers are specialists in the small commercial market. They pride themselves in understanding all of the state specifics, they understand insurance company specifics, all the underwriting, they understand the true needs of the small commercial industries.

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Whether it's contracting, whether it's lawn care, whether it's professional and business services, they pride themselves in understanding all of the industry verticals. Our digital agency has access to insurance companies that not all traditional agencies have, or digital agencies across the market.

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We have partnered with our top national carriers across the country to make sure that we can provide coverage in just about every scenario that we would run across for small businesses. Customers, the way that they want to interact, changes. And it's getting a little bit more involved every day, they want to be more involved in their decisions, but they also need to be understanding what the product is that they're purchasing.

Everything we do is on the cusp of making it with the customer's thoughts in mind. We were the pioneer in the tech sector. Our tech vertical we started back in 1997. This was something that we started in the industry, we are still the number one in industry in the agency sector. We have specialized producers who that's all they do all day long.

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They understand contracts, they understand coverages, the specific needs of the IT Tech sector; They understand exactly what coverages are need under every circumstance. Cybersecurity, obviously, and cyber losses are making huge headlines.

[video: an illustrated header displays the text: "61% of small businesses hacked" (as of 2021)]

Obviously, it's something that's not going to go away, and if anything, cybersecurity is going to become even more important as we move forward. I foresee this coverage exploding over the next five years, it's going to be just second nature that everybody's going to have to have it. If you have any sort of digital presence, you need cybersecurity coverage.

A certificate of insurance is really verification that you have the coverage that you need. It shows you that you have the liability coverage or workers' comp coverage that you need to secure a contract.

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Without that, your ability to maybe secure those contracts could be in jeopardy. Think of it as a contractor: So, you are bidding on a contract job, and you want to secure that bid. If you don't have the correct insurance for general liability, you could lose that contract. People want to make sure that you're covered appropriately in case of loss.

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As a small business client of our agency, you can go into to your own dedicated client portal and pull your certificate of insurance any day, and you can have it at your fingertips, print it out, and it will be exactly what you need to provide proof of insurance coverage.

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