When most people think of commercial insurance, they typically envision the basics—general liability, property coverage, and possibly workers’ compensation. However, the world of business insurance is far more diverse than many realize. At Advantage Insurance Network, serving Cincinnati, OH, we work with businesses of all types and sizes, and we understand that standard policies often fall short.

Cyber Liability for Small Businesses

It’s a common misconception that only large corporations need cyber insurance, but hackers don’t discriminate. Small businesses are often targeted because they tend to have weaker cybersecurity measures in place. Cyber liability insurance can help cover the costs of data breaches, ransomware attacks, and legal fees resulting from the compromise of customer information.

Employment Practices Liability

Hiring employees is an exciting milestone, but it also introduces potential legal risks. Employment practices liability insurance protects your business from claims related to wrongful termination, discrimination, or harassment. It’s the type of coverage you hope you never need—but will be grateful to have if something goes wrong.

Commercial Crime Insurance

Unfortunately, not all threats come from outside your business. Commercial crime insurance protects against losses caused by employee theft, fraud, or forgery. It’s a smart addition for any company that handles money, inventory, or sensitive information.

Equipment Breakdown Coverage

This type of coverage often comes as a surprise to business owners. If a critical piece of equipment suddenly fails—like a freezer in a restaurant or a press in a print shop—equipment breakdown coverage can help cover repair or replacement costs, as well as lost income during downtime.

At Advantage Insurance Network, serving Cincinnati, OH, we specialize in finding creative insurance solutions for your business. If you’re wondering whether your current coverage meets your needs, let’s talk. We’re here to help businesses stay protected and prepared for whatever comes their way.