- Automobile - Boat - Homeowner - Liability - Property - Personal Umbrella - Rental - Recreational Vehicles - Plus life products FAQ Why do I need to buy insurance? Answers: It protects your assets in the event of a loss. Provides for cost of defense if sued. Provides financial security for loved ones in the event of a death. Allows you to save for retirement. Allows you to remain financially secure when you are ill and cannot work.
- Business Auto - General Liability - Professional Liability - Directors & Officers - Employment Practices Liability - Commercial Property - Workers Compensation - Umbrella - Garage - Towing & Trucking - Surety Bonds - Fidelity Bonds
FAQ My business just started - how soon do I need coverage? Answer: Your chance at suffering a loss begins the moment your business starts. If you have no insurance or only partial coverages inforce, there is little your agent can do to help.
Does insurance coverage vary for different businesses? Answer: In short, yes. Depending on your type of business and exposures involved, your insurance could look very different from other business owners you know. Many small businesses opt for a Business Owners Policy (BOP) which comes with a preset coverages. Package policies are generally better fits for larger or more diverse businesses, as they allow business owners to combine various lines of coverage to best fit the needs of their operation.
How many employees can I have before needing workers compensation insurance? Answer: This varies by state, but in Arkansas, most companies are required to carry workers compensation if they have 3 or more employees. Corporate officers and LLC members are considered employees.