Is Your Small Business Ready for the Unexpected?
Small businesses are built on big dreams, and those dreams run even deeper when family is involved. You’ve invested your time, money, and heart into building something meaningful. But no matter how careful your planning, the unexpected can (and often does) happen.
From natural disasters to employee injuries to cyber threats, risks to your business come in all shapes and sizes. That’s why the right insurance strategy is not just a formality—it’s a foundation.
At CH Insurance, we’ve spent decades helping local, family-run businesses throughout Central New York protect what matters most. Essential coverage is not one-size-fits-all.
Here’s what every family business should consider when preparing for the unpredictable:
1. General Liability Insurance
This is your first line of defense. It covers third-party bodily injury, property damage, and legal fees. If a customer slips and falls or your employee accidentally damages a client’s property, general liability has you covered.
2. Commercial Property Insurance
If you own or lease space, you need protection against fires, theft, vandalism, or weather-related damage. Your policy can include equipment, inventory, and even signage, ensuring you can recover without starting over.
3. Business Interruption Insurance
When unexpected events force you to temporarily close your doors, this coverage helps you stay afloat. It can replace lost income, cover payroll, and keep essential bills paid during downtime.
4. Cyber Liability Coverage
Even small, local businesses are vulnerable to cyberattacks. If you store client data or process payments electronically, a breach could cost you thousands, and damage your reputation. Cyber coverage helps you respond quickly and recover with confidence.
5. Workers’ Compensation
Workers’ comp helps cover their medical costs and lost wages if a team member gets hurt on the job. It’s legally required in most states and protects your employees and business.
Think of this as added peace of mind. Umbrella insurance provides additional limits beyond your existing policies to cover high-cost claims that might otherwise threaten your business’s future.
At CH Insurance, we believe in proactive protection, not reactive regret. That’s why our team takes the time to get to know your business—your people, your priorities, and your potential risks. It’s all part of our promise to be in your corner.
We don’t sell cookie-cutter policies. We build real relationships and real solutions that evolve with your business, so you can focus on growth, knowing you’re covered.
Do you want to hear how other small business owners prepare for what’s next? Follow CH Insurance on Facebook, Instagram, LinkedIn, and YouTube for more real stories, expert advice, and local business insights.
Because when the unexpected hits, the right coverage—and the right team in your corner—makes all the difference.
