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.
Industry-Focused Insurance Services
Starkweather & Shepley Insurance works with businesses across many industries. Our team helps organizations identify coverage needs, manage risk, and find insurance solutions that fit their operations.
Captive Risk Solutions
Explore captive insurance and other risk financing options that may support your long-term business goals.
Collection Protection
Insurance support for collectors, dealers, and businesses with valuable inventory, art, or other collections.
Dental Risk Solutions
Coverage guidance for dental practices managing property, staff, liability, and daily business risks.
Franchise Insurance
Insurance options for franchise businesses and groups with shared risks, locations and operating needs.
Theatre, Arts, Culture, and Entertainment Insurance
Support for creative groups that manage venues, event, staff, equipment, productions and liability risks.
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.
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.
