Business Insurance

Business Insurance

Business insurance. Giving you the peace of mind that you deserve.

You’ve worked hard to build your business and we know you want to protect it from property, liability and workers compensation losses.

Kluemper Insurance Agency will customize a commercial insurance policy to fit the unique needs of your business.

Why get Business Insurance?

There are many reasons to purchase business insurance. For your safety and others, we recommend you review the following and become an informed business owner on the details of business insurance.

Property Coverage

Protecting your building, merchandise and the office equipment you use daily is a very high priority. Fires and floods do happen to business, just as they do to homes. Details of what is covered will be in your policy which we will customize for you, according to your specific needs. (Flood insurance requires a separate policy.)

According to the Insurance Information Institute (III), your policy may also cover other costs like equipment breakdowns or the cost of cleanup.

Liability Coverage

Sadly, this day and age is a sue-happy world. You need to be covered just in case the unspeakable may happen. The U.S. Small Business Administration (SBA) outlines three types of business liability coverage:

  • General liability coverage: This type of coverage protects you in case you are sued because of accidents, injuries or claims of negligence. For example, if someone trips and falls, injuring themselves on the premises of your business and files a lawsuit against you, this type of coverage may (depending on the situation) help cover some of the related costs.
  • Product liability coverage: If your company manufactures or sells a product, this coverage helps protect you in case your product is defective and causes injury or damage.
  • Professional liability coverage: Businesses that provide services will most likely purchase this type of coverage. It protects you against errors and negligence. One example, according to the SBA, is the malpractice insurance that doctors are required to carry.

Employees Coverage

If you have employeess, you may need Employment Practices Liability coverage. This helps protect you in case an employee leaves or gets fired and then files a claim against your company.

The most frequent types of claims covered:

  • wrongful termination
  • discrimination
  • sexual harassment
  • retaliation

In addition, the policies cover claims from a variety of other types of inappropriate workplace conduct, including (but not limited to) employment-related:

  • defamation
  • invasion of privacy
  • failure to promote
  • deprivation of a career opportunity
  • negligent evaluation

The policies cover directors and officers, management personnel, and employees as insureds. The most common exclusions are for bodily injury (BI), property damage (PD), and intentional/dishonest acts.

Work Related Injury

People do get hurt on the job. It happens. With workers’ compensation you can help cover those unavoidable events. Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment.

Business Vehicles Coverage

Your business vehicle needs coverage, just like your personal one does. It protects you and your employees from accidents in your company’s vehicle. Your policy would be customized according to your specific situation.

Data Compromise Coverage

Also called data breach coverage, this helps protect your company against the loss of customer collected information. When sensitive data is exposed, your reputation is on the line.

Home Based Business Coverage

If you have a home based business,  your company supplies, tools, product or customer product stored on site would not typically be covered by your homeowners insurance. In this situation, it’s wise to consider purchasing a business insurance policy.

This is a broad overview of the coverage you may need for your company. Contacting Ted Kluemper Insurance, we can help you determine the best way to protect your company.


Kluemper Insurance Agency
1355 4th Ave
Huntington, WV 25701
(304) 525-7821

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