The agents at Smith Insurance Agency of West Virginia provide commercial insurance coverage for business owners throughout the Morgantown and Kingwood, WV area. Each agent has valuable experience that allows them to evaluate your company’s needs and create a policy tailored just for you. They can also offer you advice on how to protect your business from financial loss.

Reduce Your Overall Liability

It’s essential that you reduce your overall liability. You can do this by keeping your floors dry and passageways clear of boxes and other debris. If something breaks, fix it promptly so that your risk of injury is kept to an absolute minimum.

Minimize Your Risk of Theft

Minimize your risk of theft by installing surveillance cameras. Teach employees what to watch for in terms of shoplifting. Keep your most expensive items in a locked case to reduce accessibility by the customers. It’s also important to maintain an accurate and ongoing inventory. 

Maintain Proper Insurance 

When you own a business, the best way to protect yourself from devastating financial loss is to have an adequate insurance policy in place. The right policy will protect you against liability claims, theft, and other situations that you may find yourself in as a business owner. 

Business owners in Kingwood, WV can always discuss their insurance needs with the agents of Smith Insurance Agency of West Virginia. If you already have a commercial policy, it may be in your best interest to have it reviewed. Changes to your business that involve an increase in staff, the expansion of your facility, or significant downsizing will have a direct impact on your insurance needs. Call today to discuss your options.

Owning a small business is the American dream. It also comes with lots of worries. In Kingwood, WV small business owners have the knowledgeable agents at Smith Insurance Agency of West Virginia to help them lessen that worry and get the coverage that is right for them. Commercial insurance is not one size or one coverage fits all, it should be tailored to your particular needs. 

When you own a small business, it has to be able to stay in business in order to make money. If the building where your business is located suffers from an event that damages it or even worse, renders it uninhabitable, you will need to have it repaired or rebuilt if you are the owner. If you are a tenant then you will at least need coverage for your inventory and any items such as machinery or office equipment that belong to you or your business. 

If your business is broken into and items are stolen or vandalized, a commercial insurance policy can help you to replace the items. 

If you have any employees your insurance can help you to provide workmen’s compensation insurance and also protect you from a suit by an employee for harassment or wrongful termination. 

Commercial insurance can also provide liability insurance should someone be injured at your business or by one of your products.  

With all the uncertainty in the world, why let the success of your small business be in jeopardy? In Kingwood, WV the experienced staff at the Smith Insurance Agency of West Virginia are here to help you to protect your business with the right commercial insurance, customized to meet your specific needs. Stop by our office or give us a call for a no-obligation quote.