Andrew Troi
I have had an incredible experience with Harrison Insurance and Jennifer in particular. She is true professional and handles all questions and concerns in a timely and kind manner. I’m so glad I switched my auto and renters policy to Erie and Harrison insurance.
Andrew Troi
2024-04-06
Kayla Courtois
Fantastic customer service! Very knowledgeable, patient, and friendly. We were a new business starting up with absolutely NO clue what to do. Fred made the process very simple and got us the coverage we needed in a field that is hard to get coverage in!
Kayla Courtois
2024-03-22
Thomas Sweeney
Used Fred for my executor bond, he worked with me over the phone as I was out of town to fill out the paperwork. The prices were much cheaper than anywhere else I found.
Thomas Sweeney
2022-12-27
bryan acheson
Fred and team at Harrison Insurance are awesome. I requested a review of my insurance coverage for my business and found that I was grossly under covered. Fred explained where I was needing additional coverage and why it was important. Needless to say, I'm now a client. Fred truly cares for his clients. I think my premiums basically stayed the same, for additional coverage I might add, but I would have been willing to pay more just for the service and knowing I was being taken care of. I highly recommend Fred for your business.
bryan acheson
2022-03-04
Kayla Furrow
Harrison Insurance is a great company to work with! I worked with Fred and the personal touch he adds makes you feel like you’re truly being taken care of, like you’re a part of the family. Fred never settles for the bare minimum, and if he sees something lacking in your insurance policy, he will tell you what he can do to fix it and what kind of options you have to make sure you’re covered in every area possible. Harrison Insurance is a small town agency, but their impact is huge. If you’ve got any kind of insurance, it is always worth giving Harrison a call and seeing where you can improve your coverage while lowering your rates. You definitely won’t regret touching base with them!
Kayla Furrow
2022-01-11
Wes Tatum
Highly recommend this company. Fred Zehrer was my agent and he provided top notch service. The process was simple and Fred saved me over $600 a year on my business vehicle insurance. I can't say enough good things about Fred and Harrison Insurance. If you want peace of mind and fair prices, this is where you need to be.
Wes Tatum
2016-09-07

How to Get Small Business Insurance: Exploring Your Options

Business Owner packing boxes

How to Get Small Business Insurance: Exploring Your Options

Starting and running a small business is a rewarding journey, but it also comes with its share of risks. To protect your investment, assets, and future, it’s crucial to have the right small business insurance coverage. In this article, we’ll guide you through the process of getting small business insurance and explore various options tailored to different business needs.

Step 1: Assess Your Business Needs

The first step in getting the right small business insurance is understanding your unique needs. Different businesses require different types of coverage. Here are some common options to consider:

  1. General Liability Insurance: This is a fundamental insurance type that covers your business against common risks, such as property damage and bodily injury claims. It’s essential for most businesses and provides a strong foundation for your insurance coverage.
  2. Professional Liability Insurance: If your business offers specialized services or advice, professional liability insurance (also known as errors and omissions insurance) can protect you from claims of negligence or mistakes in your professional work.
  3. Property Insurance: This coverage safeguards your business property, including equipment, inventory, and buildings, against damage or loss due to fire, theft, or other covered perils.
  4. Commercial Auto Insurance: If your business owns or uses vehicles for work purposes, commercial auto insurance can cover accidents, injuries, and property damage involving your company vehicles.
  5. Workers’ Compensation Insurance: If you have employees, workers’ compensation insurance is usually mandatory. It covers medical expenses and lost wages for employees injured on the job while protecting your business from related legal claims.

Step 2: Choose an Insurance Provider

Once you’ve determined your insurance needs, it’s time to choose an insurance provider. Here are your options:

  1. Independent Insurance Agents: These professionals work with multiple insurance companies and can help you find the best coverage at competitive rates. They can tailor a policy to your specific needs.
  2. Direct Insurers: Many insurance companies offer small business insurance directly to customers. You can contact them online or over the phone to get quotes and purchase coverage.
  3. Industry-Specific Associations: Some industry associations offer group insurance plans to their members, which can be cost-effective. If you belong to an industry association, inquire about available insurance options.

Step 3: Get Quotes and Compare

To ensure you’re getting the best coverage at the right price, it’s essential to obtain insurance quotes and compare them. When requesting quotes, provide accurate information about your business, including its size, location, industry, and coverage requirements.

Step 4: Review and Customize Your Policy

After receiving quotes, carefully review each policy’s terms, coverage limits, deductibles, and exclusions. Make sure the policy aligns with your business’s specific needs. Work with an insurance agent to customize your coverage to suit your requirements.

Step 5: Purchase and Maintain Your Policy

Once you’ve selected the right small business insurance policy, complete the necessary paperwork, and make your initial payment. Keep records of your policy and ensure it’s renewed on time to maintain continuous coverage.

Getting small business insurance is a crucial step in protecting your investment and securing your business’s future. By assessing your needs, choosing the right provider, comparing quotes, and customizing your policy, you can ensure that you have the appropriate coverage for your specific business type. Remember that insurance is a vital safeguard, so invest the time and effort to choose the right coverage for your small business.

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