To ensure you receive the most appropriate protection, it’s crucial for us to understand the specifics of your business operations. For example, the insurance requirements for a retail business are notably distinct from those of a General Contractor. However, General Liability insurance remains a fundamental necessity for virtually all businesses. Let us assist you in finding the ideal solution!

The cost of business insurance varies widely based on several factors, including:

– Type of Business: A high-risk business, like construction, typically has higher insurance premiums than a low-risk business, such as a consulting firm.

– Location: Businesses in areas prone to natural disasters might face higher premiums. Moreover, insurance costs can vary from state to state and country to country.

– Coverage Needs: Depending on what you want to protect (e.g., property, vehicles, employees), your coverage needs will differ.

– Number of Employees: Worker’s compensation insurance, which is mandatory in many places, will cost more for businesses with more employees.

– Business Revenue: Some policies, like general liability, might be based on the business’s revenues.

– Claims History: If your business has a history of many claims, you’ll likely face higher premiums.

– Deductible Amount: A higher deductible (the amount you pay out of pocket before insurance kicks in) usually means lower premiums.

– Policy Limits: The maximum amount the insurance company will pay for a claim affects the premium. Higher limits generally mean higher premiums.

At Omnio Group, we provide insurance services to a wide variety of businesses, including contractors, retailers, manufacturers, health and fitness, professional services, building owners, distributors, wholesalers, and more.

We take pride in specializing in small business insurance. Our success story began in 2007 when we established a small insurance business. Over the years, we’ve expanded our capacity to serve clients in all 50 states in the US.