Small Business
In an insurance context, “small business” is a technical yet flexible term. Many small businesses are appropriate for Business Owner’s Policies (BOP’s), which package Property, Liability, and additional coverages in an economical way. One can easily have a small business, though, whose complexity of exposures makes such packages inappropriate; conversely, one can have a larger business whose exposures happen to fit the BOP coverages.
As we learn about your business and as your venture evolves, Morris & Garritano Property and Casualty agents draw from the best of both worlds, small business and commercial lines, to suit your needs. With regard to health insurance, depending on the size of your firm, you also have access to two realms of coverage: Small Group Health Insurance, for businesses with two to fifty employees, or Individual Health Insurance. We work with you to find which type of coverage will be most advantageous.
Regardless of the size of your small business, your life insurance needs-from key person to business succession-are still complex, and you will appreciate the depth of our analysis and range of coverage options.
Please feel welcome to contact us and begin a valuable, longterm partnership.