Business Insurance

Without the right levels of commercial insurance, your business is at more risk than just failing to make a profit. A fire, power outage, flooding, or a loss of business machinery, financial records or office equipment could shut down your business for good. Even a temporary shut down could force you to permanently close your doors if you aren't appropriately covered for such an event.

This is why you should turn to the professional agents at Loiselle Insurance – we’re a small business, just like yours, and we have been advising businesses on the right insurance for over 65 years. We have access to multiple insurance companies and will find you the right coverage for your business.  If you have a loss, we’re there to guide you through the claims process.

Insurance Policies for Businesses

A Businessowners Policy (BOP) is a common package policy used by many small businesses. These package policies generally provide business owners with more complete coverage at a lower price than separate policies for each type of insurance needed. Loiselle Insurance will help you decide which policy or policies are right for your business. Additional coverage for property, liability, or perils or conditions, which are otherwise excluded (e.g., flood protection) can be purchased as endorsements to a standard policy or as a separate, second policy called a difference-in-conditions (DIC) policy.

Since all businesses are different, there is no standard, one-size-fits all policy.

Some businesses, no matter their size, do not fit the profile of a standard business owners policy. For example, restaurants, contractors, retailers, and garages have special liability needs that are not met in the standard businessowners policy. Loiselle Insurance will provide you with information so you can choose the right policy, or combination of policies, to protect you and your business.