Business Owners Archives - Page 2 Of 3 - Otterstedt Insurance Agency

What Type of Insurance Do You Need as an HVAC Contractor?

Written on June 26, 2019.

HVAC contractors can be some of the most popular people in your town or community. When people need their air conditioning repaired in the middle of a heat wave or heaters replaced during the worst weather winter, you come in and save the day or night. That doesn’t mean your job is not...

What Type of Insurance Do You Need as a Landscaper?

Written on April 16, 2019.

As a landscaping business owner, you might fear you don’t have the right amount of insurance protection to meet your needs. That’s more than a legitimate concern because failing to have adequate protection for your business places you in serious risk if something goes wrong. So, what...

What Type of Insurance Do You Need as a Plumber?

Written on March 21, 2019.

Plumbing businesses are businesses. Just like any other businesses, you need business insurance to protect your personal interests and assets. Whether you are a residential or commercial plumber, you have unique challenges, risks, and insurance needs. These are among the types of...

Employer Company Car Accidents & Violations: Who is Liable?

Written on February 15, 2019.

When employees use business vehicles for business errands, the question of liability and responsibility often arises. Who is responsible for acts of drivers in business vehicles? It’s a question some employers do not even consider until a violation, accident, property damage, or injury has...

Own a Snow Plow Company? Make Sure You Have the Right Insurance

Written on November 29, 2018.

As winter begins, snow plow companies of all sizes are getting ready for work. You know the work that goes into preparing your crews for the long winter ahead involves many tasks, including: Checking equipmentPerforming routine vehicle maintenanceVerifying salt suppliesUpdating GPS...

How to Prepare Your Business for Health Insurance Open Enrollment

Written on October 19, 2018.

Open enrollment for health insurance through the healthcare marketplace begins November 1, 2018, and lasts through December 15, 2018. Plans sold during this enrollment period go into effect on January 1, 2019. As a business owner, you can follow the same formula for open enrollment...

Building Owners: Preparing for Your Annual Fire Inspection

Written on June 29, 2018.

Owning a building is a huge responsibility. You have a responsibility to the people who live or work in your property to provide a safe environment. One way that you can better protect your tenants is through annual fire inspections. While the process may seem a little harrowing or...

Own or Starting a Restaurant? Make Sure You are Properly Insured

Written on May 17, 2018.

Whether you’re a long-time restaurant owner or just starting out in the restaurant industry, adequate insurance coverage is critical. You’ve put a lot of heart, soul, money, and sweat equity into making your restaurant ownership dreams a reality. Protect that investment with the right types and...

What Types of Insurance Do You Need as a Pest Control Operator?

Written on March 29, 2018.

Owning a pest control business carries a certain degree of risk. One of the tools you have at your disposal to mitigate those risks is insurance. Of course, not all insurance policies provide the right level of protection to meet your needs. Below you will find various types of insurance...

Business Owners Insurance Part 3: Income Insurance

Written on December 7, 2017.

Business owner’s insurance typically consists of three specific types of coverage. One of these is business income insurance. For some businesses facing long-term repairs, essentially a rebuilding of their business, this can be critical for helping to preserve your business during the process....