Ask any business owner and they’ll tell you the same: starting your own company is its own high-risk activity. But certain businesses represent an elevated insurance risk that should be counterbalanced with quality commercial liability coverage to protect them in case the worst should happen. It can be difficult to find the needed coverage to safeguard your business investment, but Ansay is here to help determine your business risk and how to deal with it.
At Ansay & Associates, our insurance brokerage team knows that some businesses operate in industries with higher risk factors - and we believe that they deserve the same peace of mind as any other business. For these types of dangerous (but often essential) businesses, a high-risk commercial policy is necessary to meet their unique needs and to comply with local regulations for business operation.
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Business Insurance
Whether you're in transportation, arbor services, construction/contracting, home health care, mining, sanitation or any other high-risk industry, the rewards can be great, but so can the risks. Ansay’s team is here to help you strike a fruitful balance so your business and employees can thrive. In fields where the work comes with an elevated risk of injury, property damage - or both - finding good coverage for worker compensation or liability claims can be a real challenge.
High-risk business insurance typically falls under one of three categories:
Commercial Insurance
Businesses may need high-risk commercial insurance for many reasons, including:
Auto Insurance
Companies in need of high risk auto/truck insurance may include:
Property Coverage
Companies may need high-risk property coverage for a number of reasons, including:
Am I high-risk?
Any business which operates in a field where there’s increased risk of damage or injuries to either workers or the public might be considered high risk. Insurance agencies will decide whether the specific coverage-seeking business is high-risk or not, but there are a few common characteristics under which high-risk businesses operate.
Our team of brokers will research and provide comprehensive coverage options for your business, from worker's compensation to liability or even umbrella policies, ensuring that you can focus on running your business while we reduce worries that an accident can bring it all crashing down.
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What's the Damage?
Compared to standard business coverage, high-risk insurance policies mean higher premiums. Whenever there’s a greater likelihood of insurance payout, the premiums rise in relation to those risks. But by adhering to best practices and instituting certain policies you can lower your premium along with the risk, which is a win for everyone.
The insurance experts at Ansay understand the challenges of getting insurance as a high-risk business. We also understand that your bottom line matters. Our team will recommend ways to lower your high-risk commercial insurance premiums that are workable and can save serious cash if done correctly.
While all business circumstances are different, there are several strategies that most businesses can employ to reduce their risk profile, which can mean lowered premiums:
We believe that every business deserves to feel secure, no matter the risks they face. This is why we offer high-risk business insurance along with assessments and advice to lower your risk and of course, to allow you to choose the coverage you may need. Let Ansay & Associates be your local agent for high-risk insuranceLet Ansay & Associates be your trusted partner in high-risk insurance.
Got questions or want to learn more? Contact us today - we're here to help.
Risk Management & Public Entity Consultant, Commercial Insurance Advisor, Authorized OSHA 501 Trainer
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Looking to help protect your company assets from auto liabilities, contact one of our agents at Ansay – we’ll make sure your business is protected and that you receive the most competitive rates on the market.
Please note, your message does not bind, alter, or cancel coverages and is not effective until confirmed directly with a licensed agent.
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