Category: Commercial Insurance

So your business is doing well enough for you to hire employees. Unfortunately, stuff happens. And in this particular case, the stuff was your employee having an accident on the job that resulted in serious injury, such as a broken leg. This is why you need commercial insurance, to help you pay for things such as worker’s compensation. This way, your employee’s bills are paid, you don’t go broke, and everybody is happy. (Well, happier than they would be without it.) 

First Things First 

Right after the accident happens, get medical treatment right away. Tell the medical providers exactly what happened and see that everyone else is safe. You will need medical records to link the injury to the workplace. Remember that some serious injury symptoms might not show up for several hours to a few days. Keep in mind that you are responsible for an injured employee. Gather as much info as you can. If the injury results in hospitalization, you have eight hours to contact OSHA. File the claim with your insurance agency with all the documentation at the ready. If your worker returns to the job with restrictions, you must accommodate. Keep in mind that domestic workers, farm workers, and seasonal workers are often not covered by worker’s compensation. 

Ottawa Insurance Agency Serving Zeeland, MI

If you are in Zeeland, MI, and are in the commercial insurance market, please get in touch with Ottawa Insurance Agency. Our courteous, knowledgeable, and helpful agents will do all that they can to help you find the insurance policy that best suits your individual needs. 

Whether it’s a startup hoping to become a legacy or a large corporation serving generations of customers, the joy of contributing to the business world is immense. However, business risks are a reality, too. Commercial insurance plays a vital role in securing businesses, irrespective of their size. This article aims to assist business owners from Zeeland, MI in understanding the importance of working with a professional insurance team such as Ottawa Insurance Agency.

Planning for Success with Commercial Insurance Solutions

The notion that the more you lose, the more you need protection rings true for business owners. Consider a small business owner whose livelihood depends on their venture. The stakes are high, and the devastation from an unfortunate event like a fire could be enormous. Similarly, established businesses stand to lose substantial wealth in the event of a disastrous flood destroying their warehouse full of inventory.

Commercial Insurance is non-negotiable.

The point is, irrespective of your business size, commercial insurance isn’t a luxury but a necessity. It protects your storefront, income source, and the continuity of your success. That is why it’s critical to collaborate with seasoned insurance experts who understand your business needs and concerns.

We Cater to All Your Commercial Insurance Needs

Are you a Zeeland, MI business owner seeking a deeper understanding of commercial insurance, or want to learn how our trusted team at Ottawa Insurance Agency can help? Contact us today to explore the right commercial insurance solutions to give your business the protection it deserves.

Whether it’s a startup hoping to become a legacy or a large corporation serving generations of customers, the joy of contributing to the business world is immense. However, business risks are a reality, too. Commercial insurance plays a vital role in securing businesses, irrespective of their size. This article aims to assist business owners from Zeeland, MI in understanding the importance of working with a professional insurance team such as Ottawa Insurance Agency.

Planning for Success with Commercial Insurance Solutions

The notion that the more you lose, the more you need protection rings true for business owners. Consider a small business owner whose livelihood depends on their venture. The stakes are high, and the devastation from an unfortunate event like a fire could be enormous. Similarly, established businesses stand to lose substantial wealth in the event of a disastrous flood destroying their warehouse full of inventory.

Commercial Insurance is non-negotiable.

The point is, irrespective of your business size, commercial insurance isn’t a luxury but a necessity. It protects your storefront, income source, and the continuity of your success. That is why it’s critical to collaborate with seasoned insurance experts who understand your business needs and concerns.

We Cater to All Your Commercial Insurance Needs

Are you a Zeeland, MI business owner seeking a deeper understanding of commercial insurance, or want to learn how our trusted team at Ottawa Insurance Agency can help? Contact us today to explore the right commercial insurance solutions to give your business the protection it deserves.

Commercial Insurance is a big part of our business here at Ottawa Insurance Agency, including worker’s compensation insurance. Worker’s compensation is a mandated type of insurance that all Zeeland, MI businesses need to have. It’s designed to ensure employees who suffer work-related illnesses and injuries get the finances they need to recover, but employers also benefit from this style of commercial insurance.

Commercial Insurance: How Businesses Benefit From Worker’s Compensation

• Financial protection all around. Worker’s compensation pays out injured or sick employees in exchange for the employer paying a set premium per employee. Yet, by ensuring that workers are paid out when needed, this style of commercial insurance protects employers from carrying the weight of such potentially excessive costs on their own, out-of-pocket.
• Legal protection. Without worker’s compensation, employees may find themselves needing to file a lawsuit in order to get the financial compensation they need to heal following an accident. Worker’s compensation insurance and worker’s compensation laws significantly limit an employee’s ability to sue for a worksite injury or incident (with the exception of cases related to negligence). This legal protection further protects the finances of a business, ensuring it can continue to operate following an incident.
• Employee morale and retention. Strong worker’s compensation insurance and policies show employees that a business cares about them and that their needs will be covered in the event of a workplace injury or illness.

Reach Out To Us

Every business is mandated to have worker’s compensation insurance by state and federal law, but there are choices here as with other types of commercial insurance. Contact our team at Ottawa Insurance Agency to learn more and to talk with a friendly representative about getting the best commercial insurance package for your Zeeland, MI business.