KLSmithins

company address:
1486 W Main St
Willimantic, CT 06226
Ph: 860-423-9294
Fx: 860-450-1121

Commercial Insurance Central Connecticut
Failing to take out Commercial insurance or Business insurance for your business in Central Connecticut, or underinsuring, is a very bad idea. There are just too many risks and you will be out of business quicker than an alligator attack when something goes wrong.
Here are just 10 risks and factors to consider:
 Damage to building structure can be caused by many things - hurricane, fire, impact by a vehicle, and malicious damage are just a few.
 Damage to stock and equipment within premises - any of the above events may damage the contents.
 Theft from the premises – by armed robbery, shoplifting or employee theft.
 Money in transit from your premises to the bank – does your policy cover it?
 Litigation by customers for alleged negligence on your part or that of your staff can be a costly exercise both in money and time.
 Litigation by staff for alleged loss of entitlements can involve costly legal defence.
 The criminal element will stop at nothing to get their hands on your profit – are you at risk of being kidnapped for ransom?
 Do have a key person in your enterprise, without whom your profits would take a tumble? Key personnel insurance could be a safeguard that would help you sleep at night.
 Does your business have one or more vehicles that you use in your business? Discounts are available for multi-vehicle policies.
 If you have employees, you’ll need workers’ compensation insurance.
KL Smith insurance of Connecticut will work with you to identify your vulnerabilities and source the cover that will suit your business.