Brandi Hodnett
The Top 5 Insurance Policies Every Small Business in Meridian Needs

1. General Liability Insurance

General liability insurance is essential for protecting small businesses from claims related to bodily injury, property damage, and personal injury. Whether you're a retailer in downtown Meridian or a contractor working in Boise, this coverage can shield you from lawsuits that could otherwise impact your business financially.

2. Property Insurance or Business Owner's Policy (BOP)

Property insurance or a Business Owner's Policy (BOP) is crucial for protecting your business's physical assets, such as your building and its contents. Small businesses in Meridian, whether startups or established enterprises, benefit from bundled solutions like BOPs that include both property and general liability coverage.

3. Workers’ Compensation Insurance

In Idaho, workers' compensation insurance is not just a legal requirement; it is a safeguard for both employees and employers. This insurance provides medical benefits and wage replacement to employees injured on the job. For local businesses, from cafes in Nampa to tech startups in Meridian, this coverage is vital to maintaining a safe and compliant workplace.

4. Commercial Auto Insurance

If your business involves the use of vehicles, commercial auto insurance is indispensable. Whether you're delivering goods around Boise or visiting clients across Idaho, this policy protects your vehicles, drivers, and third parties in case of an accident.

5. Professional Liability or Cyber Insurance

Errors and omissions can occur in any business, which is where professional liability (or E&O) insurance steps in. For businesses in Meridian, especially those relying heavily on technology, cyber insurance is also increasingly crucial. This coverage protects against data breaches and cyberattacks, ensuring your business's financial assets and reputation remain intact.

Partner with a Trusted Local Agency

At Deb Williams Insurance, we understand the unique needs of our community. As a woman-owned, community-driven agency, we are dedicated to providing personalized service to local businesses. Contact us today to request a comprehensive business insurance review and explore how we can tailor a policy that best suits your needs.