# data[].attributes.body
https://www.rviagency.com/

# data[].attributes.attachment_link.title
Auto Insurance - Learn About Car Insurance

# data[].attributes.attachment_link.description
Auto insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Auto insurance may...

# data[].attributes.attachment_link.title
Home Insurance - Learn About Homeowner Insurance

# data[].attributes.attachment_link.description
Home insurance, also commonly called hazard insurance or homeowner's insurance (and often abbreviated in the US real estate industry as HO1), is a type of property insurance that covers a private...

# data[].attributes.attachment_link.title
Business Insurance - Learn About Commercial Insurance

# data[].attributes.attachment_link.description
Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. ...

# data[].attributes.attachment_link.title
Life Insurance - Learn About Life Insurance

# data[].attributes.attachment_link.description
Life insurance pays out a sum of money either on the death of the insured person or after a set period of time.

# data[].attributes.attachment_link.description
The latest Tweets from River Valley Ins (@river_ins). River Valley Insurance is a full independent insurance agency located in Grand Rapids, MI. We specialize in Auto, Home Business, Work Comp and Life Insurance. Grand Rapids, MI

# data[].attributes.attachment_link.description
lt;span>River Valley Insurance is a full independent insurance agency located in Grand Rapids, Michigan. We specialize in Auto, Home Business, Work Comp and Life Insurance. Call us today at (616) 301-9500 for a free consultation or insurance quote!

# data[].attributes.attachment_link.description
River Valley Insurance is a full independent insurance agency located in Grand Rapids, Michigan. We specialize in Auto, Home Business, Work Comp and Life Ins...

# data[].attributes.attachment_link.title
River Valley Insurance Agency (rviagency)

# data[].attributes.attachment_link.description
River Valley Insurance Agency is an Independent Insurance Agency serving the Greater Grand Rapids area.

# data[].attributes.headline
Consider These Types of Insurance to Protect Your Business

# data[].attributes.subject
Consider These Types of Insurance to Protect Your Business

# data[].attributes.attachment_link.readable_text
When an entrepreneur starts a business, he usually exposes himself to a lot of risks. Even before he hires his first employee, the business is already at risk. It is important that you have the right insurance in place for this. A catastrophic event or lawsuit can wipe out any small business before it gets off the ground.

Luckily, a business now has access to a lot of insurance types so that they will have protection against these dangers. Here are the types of insurance that a business should have in place as soon as they can.
​

​1) Insurance on Professional Liability

It is also known as E&O or Errors and Omissions insurance that covers a business against claims of negligence that came from mistakes and the failure to perform. No policy fits all sizes in professional liability insurance. Every industry has their concerns that a customized plan written for the business needs to address.

2) Property insurance.

This insurance is a must if a business owns or leases space. It will cover the furniture, inventory, signage and equipment in case of theft, storm or fire. However, events of mass destruction such as earthquakes and floods are usually not covered by the standard property insurance policies. If you live in a place that is prone to these issues, check with your insurer so they can give you a quote for a separate policy.

3) Insurance on worker's compensation

Once you hire an employee, you should add worker's compensation insurance to the business insurance policy. It will cover disability, medical treatment, and death benefits in case an employee becomes injured or dies because of his work with the firm. Even employees who perform low-risk work may experience slip-and-fall injuries and medical conditions like carpal tunnel syndrome that may result in an expensive claim.

4) Home-based businesses.

A lot of professionals start their small business in their homes. Unfortunately, most homeowner's policies do not cover home-based businesses in the same way as commercial property insurance. If you are operating your business from home, ask for additional insurance from your insurer to cover your inventory and equipment in case a problem occurs.

5) Insurance in product liability

Product liability insurance is a must for a business that manufactures products for sale to the general market. Even if the company takes every possible measure to make sure their products are safe, they might find themselves in a lawsuit because of damage that one of their products may cause. Product liability insurance protects a business in these cases and provides coverage that undergoes individual tailoring to particular types of goods.

6) Insurance for Vehicles

Whenever you use company vehicles, they should get full insurance to protect the business against liability in case an accident occurs. Businesses should get insurance against third-party injury and comprehensive insurance for their vehicle in case it becomes part of an accident. Employees who use their vehicles for business should have their personal insurance in case an accident occurs. A big exception to this is if they deliver goods and services for a fee. Also, include the delivery personnel.

7) Insurance in Business Interruption

Whenever a catastrophic or disastrous event occurs, the operations of a business might undergo interruption. During this time, the business may suffer from lost income because of the inability of your staff to work inside your office, make sales calls and manufacture products. This kind of insurance usually applies to companies who need a physical location to complete their business like retail stores. Insurance for business interruption will compensate a company for the loss in income whenever these events happen.

Get the right insurance in place, so your business will avoid a significant financial loss because of a catastrophic event or lawsuit. Check with your insurer to find out what kinds of insurances are advised for your business so you can put those plans in place as soon as you can.

At the River Valley Insurance Agency Inc we take pride in making sure our clients are well protected at prices they can afford. To learn more about how we can help you please contact our agency at (616) 301-9500 or Click Here to request a free quote.

# data[].attributes.attachment_link.title
Consider These Types of Insurance to Protect Your Business

# data[].attributes.attachment_link.description
When an entrepreneur starts a business, he usually exposes himself to a lot of risks. Even before he hires his first employee, the business is already at risk. It is important that you have the right insurance in place for this. A catastrophic event or lawsuit can wipe out any small business before it gets off the ground.

# data[].attributes.attachment_link.description
Of course your car needs a battery for it to run, but do you know how to maintain it? The battery produces electrical energy used to ignite the engine and start the motor. Minor car problems are...

# data[].attributes.body
Phone: (616) 301-9500
Fax: (616) 420-9035
Email: info@rviagency.com

Mailing Address:
800 Monroe Ave NW
Suite#201
Grand Rapids, MI 49503

Agency Hours:
Weekdays: 9:00am - 5:00pm
Weekends: By appointment