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Business Insurance

Free your HR and administrative teams to focus on the mission-critical priorities of running your business.

What we can offer

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.

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Let us help evaluate your risks

What kind of accidents might your
business be prone to?

For example, a brick-and-mortar shop poses much more risk for a slip and fall accident than a home-based business.

What kind of natural or unexpected disasters might affect your business?

You might think about things like floods, earthquakes, fires, hurricanes, etc.

Who staffs your business?

Do you have employees? If so, you'll need to protect them and your business with certain policies.

What kind of lawsuits could your business face?

If you manufacture your own products, you're more likely to face a business lawsuit for product defects.

Choosing the right type of insurance

Types of Insurance

Workers' compensation insurance

If you have employees, workers' comp insurance is required — although the details vary by state. Workers' comp insurance protects your employees in case they become ill or injured on the job.

General liability insurance

This is one of the most common types of insurance and all businesses should invest in this type of coverage. General liability insurance protects your businesses from claims of bodily injury, property damage or personal injury by a third party.

Commercial property insurance

Commercial or business property insurance protects your equipment, office space, inventory and more from loss or damage. This type of policy will be particularly important for businesses that operate out of a brick-and-mortar location.

Professional liability insurance

This insurance, sometimes referred to as errors and omissions insurance protects professional-service businesses (designers, consultants, accountants, etc.) from claims of negligence or other service-related errors. Professional liability insurance is necessary for any business that provides expert advice.

Product liability insurance

If your business sells any type of tangible product, product liability insurance will protect you from any claims related to defects in those products, including manufacturing, design and marketing defects.

Business interruption insurance

If damage or disaster causes your business to temporarily shut down or slows business, business interruption insurance can help make up for lost revenue.

Cyber liability insurance

Cyber liability insurance covers claims and costs incurred when your customer data — or any data that has personally identifiable information — is leaked or stolen. This type of policy is important for any business that stores data on the cloud or on an electronic device.

Directors and officers insurance

D&O insurance protects the personal assets of directors and officers, should they be sued personally based on a decision made or action taken on behalf of the company. This one is particularly important for business owners with outside investors or in regulated industries.

Key person insurance

Key person insurance is akin to a life insurance policy for essential members of your business. In case something happens to this "key person," your insurance provides funds to help you cover losses and hire a replacement.

Business owner's policy

A BOP combines multiple types of commercial policies into a single more affordable bundle. Business owner's policies typically include general liability insurance, commercial property insurance and business interruption insurance; however, many providers allow you to customize these policies to add other types of coverage as well.

Business insurance to fit your needs

Comprehensive Worry-Free Insurance Administration

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.

We review your risks and help decide which types of insurance you need.

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.

We will shop around and get quotes from different providers.

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.

We compare quote options and help determine what's best 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.

We help purchase your policies and keep them up to date.

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.

Ready to learn more?

Lets start a conversation today

Call, email, or send us a message to be connected with an HR advisor

Call 212-389-6642 to speak
to a representative

Send us an email at
[email protected]