Business cover
Business insurance for the business you built
One bad day should not undo years of work. Talk through what your business owns, who it employs and what it promises, in a free hour with Dr. Massey's office.
One bad day can undo years of work
A business is built slowly and can be hurt quickly: a fire in the shop, an injury on the job, a customer who says your work caused a loss, a laptop holding the books that goes missing. What you pay for cover is small next to the years behind the business, but only if the cover matches what you actually do.
Owners most often find a mismatch at claim time, when a policy bought in a hurry turns out to describe a smaller business than the one they run. It is worth asking, in plain words, what the policy believes your business is.
An open ledger and fountain pen under a green banker's lamp at dusk
How we talk it through
The conversation starts with three plain questions: what does the business own, who does it employ, and what does it promise its customers? Equipment, stock, a vehicle, a lease, workers, contracts and deadlines all come out of those answers.
It happens inside the free one-hour consultation, with your household budget in the room too, because for most small owners the two cannot be separated. The same pay-check that feeds the family often depends on the business staying open.
What any given policy covers, and what it costs, depends on the policy and on the business. The hour is for questions and for reading the details together.
Review as the business grows
A first hire, a second location, a van, new equipment, a bigger contract: each changes what the business owns and what it owes. Cover written for last year's business can sit quietly wrong for a long time.
Dr. Massey writes that we have maps in our heads, and that for better destinations we must acquire new maps. An owner's map of risk is no exception. Ask for a review when the business changes shape, and once a year when it does not.
Dr. Massey's stated mission is not to sell products to make a living but to build lives and help clients enjoy peace of mind. For a business owner, that is the standard to hold this conversation to.
For the owner
Draw the business on one page before you call
- What the business owns: tools, stock, vehicles
- Who works for it, and how they are paid
- What it promises customers, and by when
- Your lease, or the terms on the building
- Policies you hold today, if there are any
- What your household needs from the business
A rough page is plenty. The map gets sharper as the two of you talk, and you leave knowing which questions are still open.