Hit a Homerun with AmTrust’s Small Business Coverage

Topics: Workers' Compensation Small Business

Opening Day brings hope, anticipation and excitement for baseball fans. In cities like Cleveland, the home of one of AmTrust’s biggest offices, Opening Day is as close as you can get to a city holiday. Tickets for the game sell out in just minutes! Each team has a fresh start, enthusiasm abounds and dreams of a World Series championship are top of mind. 


Don’t Commit a Costly Error by Having the Wrong Insurance Coverage


It’s time to “Play Ball!” as the players, coaches and umpires hit the field ready to start the first game of the season. As a small business owner, you don’t want to strike out when it comes to your insurance coverage. Rather, you want to swing for the fences and have the policy that best fits your business. Each business has its own unique insurance risks and requirements. Since there are several commercial insurance options, you must understand the level of risk before choosing your coverage to avoid making any costly errors.

 
Go for the Win with Small Business Insurance Options

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Single - Workers’ Compensation: A key part of any coverage lineup, workers’ compensation insurance is a hit with both business owners and their employees. This insurance covers medical care costs, retraining and lost wages for most types of employees if they are injured on the job. Workers’ comp insurance is required by most states and it is a good foundation on which to build your small business insurance policy. Don’t get “caught stealing” by not having the correct workers’ comp coverage in place.

Double - Bundling Your Policy: Go for two bases by bundling your workers' comp insurance with property and liability coverage. The bundled approach can also help lower the overall policy cost.

Triple - Additional Coverages: Slide into third by adding additional coverages such as cyber liability or employment practices liability insurance (EPLI) to further protect your business. Cyber liability insurance can protect your company against damages from a network security or privacy breach in which customer data or confidential corporate information is exposed or stolen by a hacker. Finally, ELPI coverage protects small businesses against certain employment-related legal disputes between employers and their employees, former employees and job applicants such as those regarding age, race or gender discrimination, sexual harassment, retaliation, failure to promote and wrongful termination.

 • Home Run - Loss Control Program: By covering all your small business insurance bases, you can hit a home run for your employees. Go for the grand slam by having the right safety resources and commercial property safeguards in place to reduce risk and ensure the success of your business. AmTrust’s Loss Control team can give your business the MVP attention it deserves, identifying specific hazards and offering solutions ideally suited to your organization.


AmTrust’s All-Star Lineup of Small Business Insurance


Be prepared for the curve balls that come with running a small business by having the right insurance coverage for your organization and team. AmTrust offers a comprehensive suite of small business insurance solutions from workers’ compensation policies to commercial property coverage to general liability to fit your business’s needs. Contact us to find out more about our multiline or monoline insurance policies. You’ll have a feeling of relief knowing your business is covered.

This material is for informational purposes only and is not legal or business advice. Neither AmTrust Financial Services, Inc. nor any of its subsidiaries or affiliates represents or warrants that the information contained herein is appropriate or suitable for any specific business or legal purpose. Readers seeking resolution of specific questions should consult their business and/or legal advisors. Coverages may vary by location. Contact your local RSM for more information.
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