7269 W 97th St
Overland Park, KS 66212
If you have a business, you likely need to have a Business Insurance policy to keep you compliant with state laws. There are several types of business coverage that are required, and the Marla Williams Agency can help you to know what you need and how much of it is required.
According to state laws, with a few exceptions, every business has to carry workers' compensation coverage. Your insurance agent can tell you exactly how much of it you need or whether you are exempt because of the type of business you own. This type of policy pays for medical bills for workers who get an injury or illness on the job.
Unlike a privately owned vehicle, a vehicle owned by your business needs a commercial insurance policy. If your vehicle is privately owned but is used for business purposes, it's a good idea to cover it by a commercial insurance policy. The law doesn't make it mandatory in these cases, but the regular auto insurance policy may not cover problems encountered when the vehicle is being used for business purposes.
There are several other types of commercial insurance that are recommended but not mandated by state laws. One of these is general liability insurance. Having this type of policy in place can be the difference between staying in business and going bankrupt due to an accident in the workplace. Another type is professional liability insurance, which is an important layer of security to have in place. Another type is cyber liability insurance which is especially important as more businesses face problems online.
If you don't have commercial insurance in place, or you want to add to the policies you do have, call us a call at 913-815-1725. We can help you to understand each part of various policies so that you know just what is required as well as what will give you better protection for your business in the future.
While our office is located in Overland Park, KS, we serve all across Kansas, Missouri, Iowa, Nebraska, Colorado, Texas, and California.