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Business & Commercial Insurance Information

Small Business Health Insurance

While not all small businesses are obligated to offer small business health insurance to their employees, the ones that do have a great advantage when hiring employees. Their group insurance plan can offer affordable healthcare to attract new employees, but may also qualify them for certain tax credits (see more information on group health insurance plans).

If you aren’t sure where to begin when it comes to health insurance options for small business owners, contact us at NorthStar Financial & Insurance Services, Inc! We’ll lay out various small business health insurance plans that are less expensive, yet provide comprehensive benefits. Choose plans for your employees with access to coverage such as:

  • Dental Insurance
  • Vision Insurance
  • Health Saving Accounts (HSA)
  • Flexible Spending Accounts (FSA)
  • Wellness Programs
  • Ancillary Benefits
  • Group Retiree Health Insurance
  • And much more!

Our knowledgeable agents are ready to answer any of your questions about choosing a group health insurance plan. We know that healthcare coverage can be confusing and overwhelming. Let us help you make sense of it to purchase the perfect health insurance for your small business employees.

Learn more about our small business group health insurance plans!

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel: liability, collision, and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. In fact, many businessmen and women use the same vehicle for both business and pleasure. If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name. This will avoid possible confusion in the event that you need to file a claim or a claim is filed against you.

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many details about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are the same, a business auto policy differs from a personal auto policy in many technical respects. Ask your insurance agent at NorthStar to explain all the differences and options.

 

General Liability

If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have sufficient auto liability coverage.

Unfortunately for every business owner, the chances of getting sued have dramatically increased in the last decade. General Liability insurance can prevent a legal suit from turning into a financial disaster by providing financial protection in case your business is ever sued or held legally responsible for some injury or damage.

General Liability pays losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations.

Broad Range of General Liability Protection

General Liability insurance coverage for your business can include:

  • Bodily Injury: Comprises of the cost of care, the loss of services, and the restitution for any death that results from injury.
  • Property Damage: Coverage for the physical damage to property of others or the loss of use of that property.
  • Products-Completed Operations: Provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided.
  • Products Liability: A more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents.
  • Contractual Liability: Extends to any liability you may assume by entering into a variety of contracts.
  • Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types.

Workers Compensation

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not small business health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

Why come to NorthStar for your small business and commercial insurance?

Your business is a huge investment, one that you want to protect. If you’re going to protect your small business or commercial investment with insurance coverage anyway, why not find it at NorthStar Financial & Insurance Services, Inc? We’ll help you find all the insurance policies you need to protect your business and its employees.

Sifting through insurance policies to find the right plan for your business is a pain. But when you work with NorthStar, we take care of the sifting for you! We are associated with the top insurance providers for small business health insurance, general liability, and any commercial coverage. Our independent insurance group will gather up the best plans from our wide selection of providers for you to choose from. Rather than try to fit your business into a policy plan, we find affordable insurance plans that fit your business.

Buy your insurance from agents who will get you the best coverage from the best providers (and at the best price, guaranteed). Contact NorthStar today, or request your business insurance quote!

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