Call Us 614-224-1329 ☰ ˟
614-224-1329
Logo
  • Home
  • Products
    • Real Estate Investment InsuranceImage of right arrow
      • Vacant Property Insurance in Westerville, OH and Columbus, OH
      • Landlord Insurance in Westerville, OH and Columbus, OH
      • Commercial and Residential Property Insurance in Westerville, OH and Columbus, OH
      • Multiple Dwelling Packaged Insurance Policy in Westerville, OH and Columbus, OH
    • Media InsuranceImage of right arrow
      • DICE/Annual Production Insurance in Westerville OH & Columbus OH
      • Short Term Productions in Westerville OH & Columbus OH
      • Photographers, Videographers, DJ's Insurance in Westerville OH & Columbus OH
      • Recording, Editing, Pre/Post Production Studio Insurance in Westerville OH & Columbus OH
      • Rental House Insurance in Westerville OH & Columbus OH
      • Equipment Floater Insurance in Westerville OH & Columbus OH
    • AutomobileImage of right arrow
      • Auto Liability Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Comprehensive Auto Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Auto Collision Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Uninsured/Underinsured Motorist Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Diminishing/Vanishing Deductible - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Accident Forgiveness - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Minor Violation Forgiveness - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Roadside Assistance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Specialty Auto Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • 24-Hour Customer Service - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Towing Services & Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Rental Reimbursement - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Personal Injury Protection (PIP) - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mexican Auto Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Medical Payments Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • HomeownersImage of right arrow
      • Flood Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Property Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • High Value Homeowners Insurance in Westerville, OH
      • Homeowners Liability - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Renters Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Condo Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Landlords Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mobile Home Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Scheduled Property Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • In-Home Business Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Personal LinesImage of right arrow
      • Personal Umbrella Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Pet Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • LifeImage of right arrow
      • Individual Life Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Group Life Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mortgage Protection Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Disability Income Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Long-Term Care Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Second-to-Die Policy - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Key Person (Key Men) Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Recreational VehicleImage of right arrow
      • Boat/Watercraft Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Motorcycle Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Motorhome Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • ATV Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Snowmobile Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Coverage for Specific IndustriesImage of right arrow
      • Builders Risk Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Condo Association Insurance
      • Specialty Trade Contractors Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Handyman Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Contractors Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Garage Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Accounting Firm Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Catering Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Cleaning Business Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Construction Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Consulting Firm Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Craft Brewery Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Food Truck Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Hotel Insurance in Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Law Firm Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Maintenance Contractors Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Manufacturing Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Liquor Liability Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Box Truck Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Marijuana Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Bar Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Non Profit Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
    • Business & CommercialImage of right arrow
      • Surety & Fidelity Bonds - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Business Catastrophe Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Business Owners Policy (BOP) - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Auto Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial General Liability - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Property Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Real Estate Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Commercial Umbrella Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Crime Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Cyber Liability Insurance in Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Employment Practices Liability Insurance (EPLI) in Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Equipment Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Errors and Omissions Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Loss Control Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Inland Marine Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Marine Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Mechanical Breakdown Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Office Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Product Liability Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Professional Liability Coverage - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Small Business Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Small Business Liability Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Storage Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Technology Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
      • Trailer Insurance - Westerville OH & Columbus OH - T.A. Swain Insurance Group LLC
  • Get a Quote
    • AutomobileImage of right arrow
      • Automobile Insurance Home
      • Auto Insurance Quote
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Auto Accident Claim
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Property Loss Claim Form
      • Request Evidence of Insurance
    • RentersImage of right arrow
      • Renters Insurance Home
      • Renters Insurance Quote
      • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
      • Renters Property Loss Claim Form
    • Media Insurance
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance Home
      • Request ID Card for Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • General Liability Quote Form
      • Request General Liability Certificate of Insurance
      • Commercial Auto Accident Claim
      • Business Owners (BOP) Quote Form
      • Builders Risk
      • Workers Compensation Quote
    • Real Estate InsuranceImage of right arrow
      • Real Estate Insurance Insurance Home
      • Real Estate Investment Insurance
    • LifeImage of right arrow
      • Life Insurance Quote
  • Customer Service
    • Auto Insurance Customer Service FormsImage of right arrow
      • Add Driver to Existing Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Request ID Card for Auto Policy
    • Business & Commercial Insurance Customer Service FormsImage of right arrow
      • Add Driver to Existing Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Request Declaration and Coverages Page for Commercial Auto Policy
      • Request General Liability Certificate of Insurance
      • Request ID Card for Commercial Auto Policy
      • Multiple Dwelling Packaged Policy Change Request
    • Homeowners Insurance Customer Service FormsImage of right arrow
      • Request Declaration and Coverages for Existing Homeowners Insurance Coverage
      • Request Evidence of Insurance
    • Renters Insurance Customer Service FormsImage of right arrow
      • Request Declaration and Coverages Page for Existing Renters Insurance Coverage
  • Make a Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • About Us
    • Location Map
    • Privacy Policy
    • Blog
  • Contact
    • Contact Us
    • Join our Newsletter

Small Business Liability Insurance in Westerville OH, Columbus OH & Surrounding Areas

Small businesses face many of the same risks as larger companies, but don't have the same resources to fall back on if something goes wrong—that's where small business insurance comes in. This policy can reimburse you for certain forms of loss, giving you the time and support you need to get back on your feet and resume your normal operations. This coverage is so important that over 90% of small business see it as a worthwhile investment even when they don't have a lot of cash to spare.

When you're choosing a policy, T.A. Swain Insurance Group LLC agents can ensure that the policy's limit is high enough to cover your risks. The fact that your business is small doesn't shield you from costly claims, so it's important to obtain the best coverage you can as soon as your company's growth permits. In particular, be sure to increase your policy's limits as your company's revenue grows.

Small Business Coverage

As explained by the Small Business Administration, there are three types of liability coverage that small businesses commonly need:

  • General Liability Insurance covers issues with negligence, injuries, and accidents. Its main emphasis is on helping with the costs of legal defense, as well as providing coverage if you lose your case.
  • Product Liability Insurance is for companies that deal with physical products of some kind. The main focus of this coverage is reimbursing you for claims that arise from injuries caused by a defective product. If you deal exclusively in digital products and services, this policy will not cover those—ask one of our agents about your options.
  • Professional Liability Insurance focuses on errors and negligence that may occur during the course of providing products or services to your customers. If any of the advice you give them is wrong, they may sue for damages, and this policy will help to reimburse you.

Most companies can get by with these three types of small business liability insurance. However, you may need additional coverage if your operations are high-risk enough that a standard policy won't cover them. If you're not sure whether or not your policy covers your operations, our agents would be happy to discuss the issue and make any changes that may be necessary.

Making Sure Your Business Can Get Coverage

Most small businesses can obtain liability insurance without trouble. The only common exceptions to this are companies that operate in industries that are particularly high-risk—for example, companies producing acids for industrial use may find it harder to get coverage. If you're worried that some aspect of your business will increase your premiums or make it more difficult to obtain coverage in the first place, call T.A. Swain Insurance Group LLC today and ask for guidance. You may find that there is no problem getting insurance at all—and if there is, we may be able to help you reduce your risks and bring premiums into an affordable range.

 

1. "Business & Employee Insurance Issues Among U.S. Small Businesses." National Association of Insurance Commissioners. Accessed April 21, 2016. http://www.naic.org/documents/newsroom_small_business_summary.pdf.

2. "Finding Coverage That Matches Your Business Size." III. Accessed April 21, 2016. http://www.iii.org/article/finding-coverage-that-matches-your-business-size.

3. "Types of Business Insurance." The U.S. Small Business Administration | SBA.gov. Accessed April 21, 2016. https://www.sba.gov/managing-business/running-business/insurance/types-business-insurance.

Get a Quote
Logo
Quick Links
Home Our Products Customer Service Payment Options Report a Claim
About Us Refer A Friend Our Carriers Blog Contact Us
Location
260 S State Street, Ste 906
Westerville, OH 43086
PO Box: 906

Phone: 614-224-1329
Fax: 614-224-1458
Social Social Social
© Copyright. All rights reserved.
Powered by Insurance Website Builder