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We’re passionate about Small Business, just like you. This is why with HDA Insurance, you’re not just getting business insurance coverage; but you are joining a risk management partner who speaks your language, understands your risks, and sincerely cares about your business.
We work to eliminate any gaps in coverage that pose a threat to your business, financially or otherwise. Whether you’re a shop owner, a contractor, or a commercial property owner, our insurance packages can be customized to fit your unique offerings and coverage needs.
Business insurance is divided into different policies. We offer 7 types so it’s easy to design the coverage that fits your business.
General Liability
Accidentally damaged customer property? General liability insurance makes those uh-oh moments okay by covering a wide range of incidents and basic risks. Contractors and cleaners can add tools and equipment coverage to protect their gear, as well.
Workers’ Compensation
If you have employees, workers’ comp is mandatory in almost every state to help cover medical bills and lost wages if a workplace accident occurs. And don’t forget about the boss — add business owner’s coverage to protect yourself as well.
Professional Liability/E&O
If you’re accused of making an error at work, we’ve got your back. Get professional liability insurance (also known as errors & omissions insurance) and you’ll be protected from certain types of lawsuits and claims.
Commercial Auto
Vehicle-related damage shouldn’t mean you have to pump the brakes on your bottom line. With commercial auto, you’re covered for dents, tows and damage to someone else’s car or truck. Add HNOA coverage for extra protection on rentals and employee vehicles
Tools & Equipment
Add a tools and equipment upgrade to your general liability insurance. If your gear ever gets damaged or stolen, we’ll be there to abracadabra them back in a flash.
Commercial Property
Commercial property insurance isn’t just for buildings — it can protect almost all the gear, inventory and equipment you need to do business.
Business Owner’s Policy
A business owner’s policy (BOP) combines general liability and commercial property into one handy package. It’s a great option for protecting your business if you have a physical location, equipment or inventory and if you deal with customers or the public.