From money and time to long hours and hard work, small business owners make significant investments to keep their companies up and running. As the area’s premier agency, Mid-Alliance Insurance Associates in Lincoln, NE, understands how important it is to have reliable business insurance in place to protect against natural disasters, theft, and other calamities.

For all of the unexpected scenarios that can occur, here are a few of the different types of business insurance to consider having:

• Property Insurance: Valuable equipment, such as computers, products, office furniture and other items, need property insurance coverage in case they’re damaged by numerous perils. Some policies will provide funds for the total replacement of destroyed items.
• Worker’s Compensation: To protect their employees injured during working hours, workers compensation insurance pays for related medical expenses and wages during recuperation. Most states require companies to have this type of business insurance if they have any employees.
• General Liability Insurance: Small business owners should strongly consider general liability insurance to cover property damage and bodily injuries caused by you or your employees. The policy also provides protection against damage stemming from products or services offered through your business.
• Professional Liability Insurance: For the failure to properly perform certain services, this type of business insurance is a must-have for a variety of companies. Businesses ranging from accountants and attorneys to beauty salons and real estate firms are commonly known to secure professional liability coverage.
• Commercial Auto Insurance: If your business utilizes cars or trucks to transport products or employees, the policy offers comprehensive protection against accidents while on the road. The coverage can extend to employees who drive their own vehicles while on company time.

As an independent insurance agency, Mid-Alliance Insurance Associates is able to search through a network of the nation’s leading carriers to get you customized and affordable business insurance. You can count on the team of professional agents to listen to your needs and deliver reliable coverage to protect your small business – regardless of the type of industry you’re in.

For a free, no-obligation quote, call Mid-Alliance Insurance Associates today at (402) 421-7800. Visit the website to learn more about the wide range of business insurance policies to cover your company’s assets.