Reliability
We have spent the past 33 years building relationships with the top Business Insurance providers in the country who have established reputations for their reliability and competitive prices. The company or companies we help you select, will protect the assets and future of your business. We are pleased to be able to provide you with a comprehensive insurance package that includes all of the necessary coverages to ensure that your company is protected from the many risks to which a business is vulnerable.
We will also help you determine those areas that you may want to handle on your own outside of insurance coverage.
We offer the following Business Lines products:
Please click on any of the our Business Lines products to get a free quote!
Risk Management
We approach your insurance needs from the viewpoint of risk management. Our aim is to prevent the risk proactively rather than having to address it reactively. By risk elimination, risk reduction, risk transfer, or risk assumption, the cost of your package may be considerably reduced!
Frequently Asked Questions
I'm just getting my business started. Do I need insurance immediately?
Yes. Your chance of suffering a loss begins with the first day of business. If you suffer a loss and have no insurance or have improper or insufficient coverage, your insurance agent can do little, if anything, to help you.
Also, many states and local jurisdictions require businesses to have insurance to begin operating. And if you rent space for your business, your landlord probably requires you to obtain adequate insurance.
Most states require workers compensation coverage the minute an employee starts to work.
I don't have any major business assets. Why do I need insurance?
Every business has some property. When you think about it, your business is your property. Just like your home and your car, your business needs to be protected from loss, damage, and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.
Does insurance coverage vary for different businesses?
It can. Many small businesses opt for package policies that cover the major Property and Liability exposures as well as for a loss of income. A common package policy used by many small businesses is called the Business Owners Policy (BOP).
Generally, BOPs provide more complete coverage at a lower price than separate policies for each type of insurance needed. We can help you decide which policy or policies are right for your business. You can also purchase additional coverage for perils or conditions otherwise excluded (e.g., flood protection) as endorsements to a standard policy or as a separate, second policy called a Difference in Conditions (DIC) policy. We can advise you of the best policy (or policies) to protect you and your business.
Some of Our Companies Include
LaRue Insurance Agency, Inc.
386 Meridian Parke Lane, Suite C
Greenwood, IN 46142
Toll-free: (800) 888-7475
Phone: (317) 889-1000
Fax: (317) 859-7118
LaRue Insurance Agency, Inc. is currently licensed to do business in the states of Indiana and Ohio only.
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