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At ValueOne, our priority is connecting small business owners like you to all of the financial resources and business services you need to run and grow your company. One critical resource every business owner needs is comprehensive property and casualty insurance coverage.

ValueOne works on your behalf to find the best small business insurance package for you, tailored specifically to your company’s needs. We understand that every business is unique. For example, a clothing store is going to require a different type and level of coverage than an online IT business.

No matter what your small business does for its customers, you need insurance that’s reliable and economical. You can be sure you are getting the insurance you need at a price you can afford when you receive a quote from ValueOne for a business insurance policy.

Your Business is Unique and So Are Your Insurance Needs

Here’s an overview of the types of insurance coverage available to small businesses through ValueOne.

Business Owner's Policy (BOP)

A Business Owners Policy, or BOP, is a general insurance policy that is specifically designed for small business owners. It combines the basics of both property damage and liability risk protection in one convenient commercial insurance package.

It also protects your business against loss of income due to interruption caused by natural disaster or any other event which might disrupt normal business operation.

Commercial Auto Insurance

If you own a company that depends heavily on automobiles for the transportation of goods, commercial auto insurance is going to be one of the wisest investments you'll make as a business owner.

This policy will cover you and your employees in the event there is an accident involving a pedestrian or residential property while driving a company vehicle. Additionally, it covers employees who drive their own cars for employment purposes.

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Business Insurance

At ValueOne, our priority is connecting small business owners like you to all of the financial resources and business services you need to run and grow your company. One critical resource every business owner needs is comprehensive property and casualty insurance coverage.

ValueOne works on your behalf to find the best small business insurance package for you, tailored specifically to your company’s needs. We understand that every business is unique. For example, a clothing store is going to require a different type and level of coverage than an online IT business.

No matter what your small business does for its customers, you need insurance that’s reliable and economical. You can be sure you are getting the insurance you need at a price you can afford when you receive a quote from ValueOne for a business insurance policy.

Your Business is Unique and So Are Your Insurance Needs

Here’s an overview of the types of insurance coverage available to small businesses through ValueOne.

Business Owner’s Policy (BOP)

A Business Owners Policy, or BOP, is a general insurance policy that is specifically designed for small business owners. It combines the basics of both property damage and liability risk protection in one convenient commercial insurance package.

It also protects your business against loss of income due to interruption caused by natural disaster or any other event which might disrupt normal business operation.

Commercial Auto Insurance

If you own a company that depends heavily on automobiles for the transportation of goods, commercial auto insurance is going to be one of the wisest investments you’ll make as a business owner.

This policy will cover you and your employees in the event there is an accident involving a pedestrian or residential property while driving a company vehicle. Additionally, it covers employees who drive their own cars for employment purposes.

Find out how much we Value your partnership.

When you partner with ValueOne, you gain access to exceptional customer service and knowledgeable advisors who are dedicated to you.

Hired & Non-Owned Auto Insurance (HNO)

Unlike the Commercial Auto insurance policy, Hired Non-Owned Auto Insurance (HNO) protects your company in the event of a lawsuit resulting from an accident caused by one of your employees. HNO covers your company, regardless of whether the incident occurs while they are using a personal or rented vehicle for business.

This policy covers any property damage, injuries sustained by employees, legal bills, and other matters related to accidents involving employees carrying out company business.

Commercial Property Insurance

Commercial property insurance protects many of your company’s physical assets inside of your building and within select company outdoor structures.

Most furnishings, equipment, supplies, inventory, and office space are covered. In the case of burglary, fire, flood, or even a simple random accident, most of your valuable property investments can be protected by a commercial property insurance policy.  

Cyber Insurance

Every business today uses some form of computer technology to maintain their records electronically. Even if you don’t own an IT business, or run the majority of your company online, cyber insurance is one of the most beneficial policies available to many companies.

From safeguarding company financial records, employee files, and client information, to protecting your servers from external hacking and data breaches, every business owner using technology to run their business needs cyber insurance protection.

Directors & Officers

Insurance coverage for directors and officers (D&O insurance) protects you from allegations and/or legal action brought against the directors or officers of your company. This insurance policy covers legal fees, court costs and most awards or settlements that result from such claims.

Many small businesses would benefit from the protection of this type of commercial insurance policy including those in the tech industry and professional services, such as those who are consultants, lawyers, and in bookkeeping and accounting.

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We help you protect, grow and run your business.

More Insurance Types Offered

Employment Practices Liability Insurance (EPLI)

Our society has become increasingly litigious over the past several decades – particularly as it relates to areas of hiring and employment issues. As companies have grown larger, the potential for legal action to be taken by employees and job applicants has grown as well.

As a result of the increase of such lawsuits, EPLI was created to protect small business owners from the liability related to day-to-day hiring and termination practices. This is beneficial if you are in the technology industry, retail, hospitality, or food services. If you employ more than a few people, you need the protection of this type of insurance policy.

Errors & Omissions

If you provide professional services or are in the business of offering advice or recommendations, there is always the potential for employees to make a mistake or for a customer to claim an error was made during the delivery of services.

An Errors & Omissions policy will cover many of your court costs, legal defense fees, and judgments for which you are liable in the case of a lawsuit against your business, whether or not an error has been made on your part.

Fidelity and Surety Bonds

Fidelity and Surety Bonds protect you as a business owner from the actions of dishonest employees, and guarantees to your customers that both you and your employees will faithfully perform the specific tasks they were hired to do.

These bonds are most beneficial in industries like contracting, as well as financial companies. These bonds give you the assurance you need as a business owner to know that if your employees are dishonest or do not perform their assigned job, your company is protected from any losses incurred as a result.

Professional Liability

A Professional Liability insurance plan is designed to protect your business, as well as the managers who primarily offer advice and service. This plan specifically safeguards against the many types of lawsuits that can be made against a small business claiming negligence or oversight.

General Liability

General Liability provides a broad spectrum of insurance coverage for your small business. General Liability protects you from property damage, contractual claims, slander claims, product liability, and more.

Umbrella Liability

Commercial Umbrella Liability protection policies provide excess financial coverage over and above what your other policies may cover.

With an Umbrella Liability policy, you can be sure that if you are hit with a costly lawsuit that seeks significantly more than the financial limits provided by your other existing policies, you will be covered no matter what.

Workers’ Compensation

Workers’ Compensation covers medical expenses and wage losses for employees who sustain an injury on the job. Every business is different, with some requiring more physical exertion than others; but regardless of your line of business, every company should have some level of workers’ compensation in order to remain compliant with regulatory agencies.

No matter what line of business you are in, you can never be too careful when it comes to protecting your dream. That’s why ValueOne is here to help you. A conversation with one of our business insurance specialists will ensure that you secure the coverage that best matches the needs of your business.

Business Insurance

Business Owner's Policy

Business owner’s policy options that protect your most important assets.

Learn More
Commercial Auto Insurance

Protection that is tailor-made to your business and needs.

Learn More
Commercial Property

Protect everything you use that helps run your business.

Learn More
General Liability

An insurance plan that protects business owners from liability claims made by employees, vendors, and customers.

Learn More
Workers' Compensation

Insurance options that protect your business and provide for all the valuable employees.

Learn More

Call us at 855-960-5315 or complete the form below to take the next step toward your business goals.
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