Brookhaven Business Insurance

With almost 3,000 businesses, Brookhaven has a booming economy that employs over 5,500 people. Some of the largest industries include professional services, restaurants, and Baptist churches. If you’re a small business owner in Brookhaven, make sure you’re protected with comprehensive commercial insurance.

Shopping for business insurance can seem overwhelming, but with a TrustedChoice.com independent insurance agent, it’ll be simple. They’ll help compare your options and create a customized policy that is right for your company. When you’re ready, chat with an independent insurance agent to get started.

What Can Brookhaven, MS, Business Insurance Do for You?

The best commercial insurance starts with liability coverage. While you shop for your new business policy, there are three kinds of liability insurance you can choose from.

• General liability: You will be covered for legal and medical bills associated with an incident on your premises. An example would be if someone slips and falls at your business, you’ll be covered.
• Product liability: This will protect you against claims or suits arising from your product, whether they were made by your company or sold by them.
• Professional liability: If your company centers on offering services rather than physical products, you will need professional liability coverage. If your advice or opinion causes injury or harm to a consumer or employee, this will protect you from lawsuits.

Business Interruption Insurance in Brookhaven, MS

If you must shut down temporarily due to an eligible interruption, business interruption will reimburse you for lost income. This coverage is a must-have policy for small companies that rely heavily on the owner for daily operations.

Business interruption insurance will cover:

• Lost profits
• Employees wages
• Loan payments
• Temporary relocation costs
• Rent or mortgage payments
• Taxes

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Property Insurance for Your Brookhaven, MS, Business

In 2016, small business owners throughout the state had an 8.8% chance of burglary or theft at their business. Your small business also faces natural disasters such as severe storms and high winds that can destroy your investment. Whatever the cause of damage to your Brookhaven business, you will get reimbursement for the loss if you purchase a commercial property insurance.

Your property insurance typically covers:

• Your building or lease space: This will provide coverage for your building or the building you are required to provide insurance coverage for.
• The contents of your building: This covers inventory, equipment, and other people’s property in your building that has been damaged.

How Can You Invest in Your Brookhaven, MS, Employees?

Workers' Compensation

Workers’ compensation is a form of insurance that will pay for workers who are injured or disabled as a result of their job. This offers a compensation plan to cover medical fees related to injuries incurred as a result of employment. If your employees accept the benefits, they waive their right to sue you.

Employee Benefits

• Average per person premium for small group: $409 per month
• Small group health plans average deductible: $3,140 per year

If your Brookhaven business employs at least 50 full-time workers, you are required to provide them with subsidized health insurance coverage. Even if you are not required, providing your employees benefits such as life and health insurance attracts and retains a talented workforce.

If you’re interested or have questions about these types of coverages, chat with an independent agent about finding reasonably priced options.

Find the Right Business Insurance for Your Brookhaven-Based Business

With multiple options dependent on your exact industry, finding the right commercial insurance policy can be tricky. An independent insurance agent will walk you through your coverage operations and help you find the policy that is right for your unique challenges as a small business. Chat with an agent today to learn more about your Brookhaven business insurance.