Small Business Insurance Services
Small businesses face risks every day. Starkweather & Shepley Insurance helps business owners review coverage and prepare for change.
Enterprise Insurance for Small Businesses
Insurance needs can change as a business grows. Hiring employees, adding services, buying equipment, or opening new locations may all affect coverage needs.
Starkweather & Shepley Insurance works with small businesses to review risks, discuss coverage options, and explore further insurance services. We help business owners make informed decisions as their operations change over time.
Working With a Small Business Insurance Broker
Small business insurance often includes several policies. Coverage may involve liability concerns, employees, property, vehicles, cyber risks and business interruptions.
Starkweather & Shepley Insurance works with a range of insurance carriers. We help business owners review policies and adjust coverage as business needs change.
What Small Business Insurance May Include
Small business insurance may include coverage designed to support daily operations.
Common areas of consideration may include:
General liability insurance
Commercial property insurance
Commercial auto insurance
Workers compensation insurance
Cyber liability insurance
Umbrella liability insurance
Employment practices liability insurance
Director and officers liability insurance
Crime insurance
Foreign insurance coverage
Special event insurance
Trip insurance through our partnership with InsureMyTrip®
Coverage needs may vary based on the business, industry, location and number of employees.
Additional Business Insurance Support
We also work with businesses looking for support beyond standard insurance policies.
Risk Management and Operational Support
Business owners may also review:
- Loss control services
- Surety and bonding
- HR consulting support
- Claims guidance
- Risk management discussions
National and International Reach
Through our Assurex Global partnership, Starkweather & Shepley Insurance supports businesses with operations in multiple states and international locations.
Franchise Insurance
Insurance options for franchise businesses and groups with shared risks, locations and operating needs.
Collection Protection
Insurance support for collectors, dealers, and businesses with valuable inventory, art, or other collections.
A Reputation Built on Trust
We’ve built a strong reputation for service, professionalism, and responsiveness.
Our manufacturing facility has worked with Mike Prentiss for a number of years. Before we started doing buiness, our instance package was not up to par and needed help. Mike jumped in and needed help Mike jumped in and fine-tuned our coverage. His sense of urgency and knowledge of the insurance industry, particularly in the manufacturing area, are second to none. We could not be happier with the service, value and comfort knowing that we are in good hands.
Aviation Parts Manufacturer
I have had the pleasure of working with Mike Prentiss since 2020. His knowledge and expertise are second to none. Mike and the team at Starkweather & Shepley always respond quickly and are always there to help with my many questions and requests. I highly recommend them!
Callie Lee
Been using them for my insurance needs for 4 years and always there when you need them.
Joshua Evon
Frequently Asked Questions
What does small business insurance cover?
Small business insurance may help cover property damage, liability claims, employee-related risks and some business losses after covered events. Coverage depends on the policies selected and business operations
What types of insurance do small businesses often review?
Many businesses review liability, property, and workers’ compensation insurance. They may also review cyber liability, commercial auto, and umbrella liability coverage.
How often should small business insurance be reviewed?
Many businesses review insurance once a year or after major business changes. This may include hiring employees, buying equipment, moving locations, or adding services.
What does a small business insurance broker do?
A broker helps business owners compare coverage options and review business risks. They also help explain how different insurance policies work together.
Is workers' compensation insurance required?
Workers compensation requirements vary by state and workforce size. Businesses often review local rules as part of broader insurance planning.
What is general liability insurance for small businesses?
General liability insurance may help businesses address claims related to bodily injury, property damage or some business operations.
