Small Business Insurance De Soto MO

Most states will require you to have some sort of workers compenstation policy and it is never a bad idea to have some liability coverage. Five states (CA, NY, NJ, RI and HI) also require you to offer short term disability. If you are in one of these states and fail to provide the workers comp or short term disability coverage, you could face a very costly fine down the road.

Kevin Adam
2415 Carter Lane
Columbia, MO
Company
Title: MBA
Company: Forward Financial, LLC
Type
Investment Advisor Rep: Yes
Education
University of Kansas/Economics
University of Missouri/MBA
Years Experience
Years Experience: 17
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial

Data Provided by:
Bully Farr Insurance Agency
(803) 254-0229
4240 W Beltline Blvd
Columbia, MO
 
Shelter Insurance
(636) 928-4999
4556 Parktowne Dr Ste 2
Saint Charles, MO
 
Shelter Insurance
(417) 532-4329
679 W Elm St
Lebanon, MO
 
Mid Missouri Insurance Agency Inc
(417) 532-5800
278 N Jefferson Ave
Lebanon, MO
 
Alexander Insurance Agency
(636) 949-9525
821 Madison St
Saint Charles, MO
 
Sauls Insurance
(803) 256-4226
4064 W Beltline Blvd
Columbia, MO
 
Egisure Insurance
(636) 946-6126
3551 Veterans Memorial Pkwy
Saint Charles, MO
 
Pelt Byron
(314) 469-7575
12642 Dorsett Rd
Maryland Heights, MO
 
Allstate Insurance Companies
(314) 738-0400
12131 Dorsett Rd Ste 216
Maryland Heights, MO
 
Data Provided by:

Business Protection for Solo Entrepreneurs

Q: I am planning to start my own business and am not sure whether or not I need small business insurance. How do I determine if this is a start-up requirement, the type of coverage I need and where would be the best place to get it

Most states will require you to have some sort of workers compenstation policy and it is never a bad idea to have some liability coverage. Five states (CA, NY, NJ, RI and HI) also require you to offer short term disability. If you are in one of these states and fail to provide the workers comp or short term disability coverage, you could face a very costly fine down the road.

Depending on what services your business provides, this can be more or less important. My advice is to speak with an experienced commercial insurance advisor and they can tell you what they feel you must have and should consider based on your specific situation.

 

It does not automatically transfer over to you. If you now own the ring, you need to buy a policy in your name to protect it. Most personal lines agents can handle this policy quickly. Some policies might offer no deductible and/or an agreed value on the ring, so you may want to evaluate what coverage is important to you given the premium differentials.

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