Business Insurance Protects You

Google “What to Do If Your Business Gets Sued,” and you find that the Canadian Broadcasting Corporation (CBC) is being sued by a Buffalo man for violating U.S. Copyright Law by using a video he recorded of a 2014 Buffalo snow storm without his permission. He had uploaded his video to YouTube. CBC then uploaded it to the Yahoo Screens web site, using the CBC logo. CNN is also cited in the lawsuit, because the man claims CBC got the clip from CNN.

Childhood TV star twins Mary-Kate and Ashley Olsen are being sued for failing to pay 40 past and present interns either financially or with college credits. Some toiled 50-hour weeks for the Olsen’s billion-dollar company, Dualstar

If it can happen to large companies like these, a small business or even sole proprietor can be sued. If you’re a web designer, and you scan a picture from a web site or a book, and the photographer finds out, they can demand financial compensation for the use of the photo, or take you to court.

The first guideline is “Better safe than sorry.” Having some kind of insurance can be the best anxiety anecdote. But, most important is to have someone in your corner.

We at Oyer, Macoviak and Associates feel we are those people in your corner. We have been a family-owned business for 61 years, offering homeowners, automobile and small business insurance. Being a family and small business, we understand the trials and tribulations a business faces, and also how to prepare for the unforeseen occurrences. We don’t force a policy on you that might net us the most money. We work with you and develop a policy that is best for your needs and your wallet. We do all the grunt work for you. How do we do this?

  • We find discounts that you didn’t even know you deserve.
  • We know which policy has the rates for your situation.
  • We have claim experience and know the coverages you do and don’t need.

Not sure what type of insurance you should have? No, problem. We explain the terminology and why you should consider including an item in your policy. Here are some pointers:

  • Property insurance can protect you in case of disasters such as fire, burglary, vandalism or an unexpected closure. Only a quarter of businesses reopen after a “disaster.” Don’t be one of them.
  • Business insurance covers you against property loss, interruption and liability. Liability is also known as “errors and omission.” This means that a client can claim an error you committed while working for them caused them to “lose money and be harmed in some way.” They can simply say you did something wrong. Thirty-three percent of small business owners have been sued or threatened with a lawsuit. Product liability protects you against customers who are injured using your product; professional liability is for negligence or malpractice, and employee practices liability protects against discrimination, wrongful termination and harassment.
  • Business Interruption insurance protects you against lost revenue and allows you to pay employees and bills while the business is temporarily closed. You can purchase additional insurance if the business has to relocate while damage is being repaired on the home site.
  • Workmen’s compensation pays an employee’s medical expenses if he or she is injured on the job.

We can save these businesses up to 30% on insurance:

  • Apartment Insurance
  • Beauty and Barber Shop Insurance
  • Commercial Property Insurance
  • Contractors Insurance ( General Contractor, Plumbing, Painting, Landscape, Electricians, Floor Installation, Heating and Air Conditioning and many more)
  • Dentist Office Insurance
  • Florist Shop Insurance
  • Legal Office Insurance
  • Medical Office Insurance
  • Optical Good Store Insurance
  • Real Estate Agents Insurance
  • Restaurant Insurance
  • Retail Insurance
  • Wholesalers Insurance

Contact us at one of our Florida offices.


Let Us Handle All the Work While You Save