Whether you’re the owner of a brick-and-mortar shop or an online-based contractor, finding and buying the right business insurance is essential to protecting your operations from the unexpected. However, with all of the different types of insurance out there, as well as providers to choose from, you might be wondering exactly how to get business insurance.
Kona HR can help your organization review your risks and decide which types of insurance you’ll need.
Insurance administration is a complex and significant drain or your organization’s staff. Staying informed on different types of coverages and keeping them up to date requires constant vigilance and care to avoid costly mistakes. When you entrust your insurance administration to the professionals at Kona HR, you free up your staff to focus on other business priorities. You can relax knowing that your insurance needs are being handled by Kona HR’s skilled team with years of experience in business insurance.
First and foremost, we will help decide which type, or types, of business insurance you need. From the overarching liability insurance to the more specialized cyber liability insurance, there are a variety of coverage options to choose from and the policies you need will largely be unique to your business.
Once we have a better sense of what kind of insurance your business needs, our next step will be to start shopping. We will look into different insurance companies and coverage choices, and get quotes so that you’ll be able to compare multiple options and find the best deal for your business.
Of course, this will be one of the most important pieces of getting insurance for your business, you’ll want to review each of your quotes thoroughly, ask questions and consult with us to find which option best suits your needs.
At this point, we’ve learned what your business needs are and the last step is to actually purchase your policy or policies. We will ensure that you know when payments need to be made, how to file a claim with your provider, and how to reach out to customer service if you need assistance. After you buy your policy and set up payments, you won’t just want to leave things until you need to file a claim. Instead, we will ensure that you review your policy periodically and help decide whether you need to adapt or change your coverage.