Business & Risk Management

Business is unpredictable.

Buying business insurance shouldn’t be.

By most accounts, the goal of doing business is maximizing profits, while minimizing costs. This means making strategic plans that account for expected costs and delineate actionable plans that shrewdly reinvest the profits. Keeping costs to an acceptable level entails finding affordable, comprehensive business insurance that can reduce the cost of unexpected losses, like natural disasters, lawsuits, employee injuries, and more.

But, how much business insurance is too much?

How much is too little?

State regulations will determine basic insurance requirements. Among the commonly required policies are workers compensation, unemployment, and disability insurance. But these may not be enough. Business insurance packages can include any of the following coverages:

  • Business Owners Policies (BOP)
  • Worker’s Compensation
  • General Liability
  • Errors & Omissions
  • Commercial Auto
  • Commercial Property
  • Group Benefits
  • Professional Liability

At Harbin, we understand the importance of having affordable, comprehensive business coverage in place – no matter how big or small the business may be. We can identify the required state policies and suggest more comprehensive and affordable business insurance solutions. It is our goal to learn about your concerns, risks, and the challenges you face and design an insurance program tailored to your needs. We have a tool box full of resources to accomplish this objective including a team of experienced insurance professionals, and dozens of A rated carriers, industry partnerships, and more. Please contact us to schedule a consultation.

Our clients include a wide variety of industries such as:

  • Contractors
  • Dealerships
  • Distributors
  • Service
  • Churches
  • Retail
  • Manufacturing
  • Wholesalers
  • Hospitality
  • Professional Services
  • Non Profits
  • And More…

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