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Small business owners may wonder if they might need a business insurance policy, especially if they only have a few employees working for them. Even though their business is small, it's important to protect it from potential lawsuits, claims, and other risks it might face. The insurance team at Mutual Underwriters, with offices in Honolulu, Waipahu, Maui, Kona, and Hilo, HI, explains why even small businesses should carry a business insurance policy.

business insuranceSmall business owners face difficult challenges on a daily basis, but protecting their company doesn't need to be one of them. A single lawsuit can bankrupt a small business, wiping out everything they have worked so hard to build. A customized small business insurance policy can help alleviate a business owner's worries about unforeseen problems so that they can focus their attention on running their company. Small business owners should discuss their specific business risks and the types of business insurance policies available with their trusted insurance agent.

With several types of small business insurance policies, including general liability, professional liability, and business owner’s insurance, coverage is available for every risk they might face. General liability insurance protects from libel and slander claims. It also covers damage to the other people’s property and any injuries that may occur. Professional liability insurance protects small businesses from claims that they did not perform their services or were negligent when they performed their services. Business owner’s insurance protects small businesses that own their buildings and have valuable equipment, covering damage to the business’ property that may occur.

The personal insurance team at Mutual Underwriters can help you choose the best insurance policy for your needs, whether you’re shopping for auto, life, or property insurance. Give them a call at (808) 532-2888 to speak to an insurance agent, or visit them online for more information about the policies they offer.

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