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Business Owner Policy

Business Insurance Explained

No matter the size of your business, you can be well-served in obtaining good business insurance. This coverage helps to ensure that your business is not negatively impacted or even potentially eliminated due to an accident or other liability you might face.

 

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What Is It?

Business insurance protects your company from a myriad of financial claims. It protects your investment and your very livelihood should someone file a legal claim against you. It also can allow your business to continue to operate when some kind of loss-causing event strikes.

Who Benefits

This kind of insurance is designed for just about any business, whether it be in the form of a sole proprietorship or if it is a big corporation. This coverage can protect your property, vehicles, various structures, equipment, products, workers, and so much more.

How It Functions

Insurance for your business helps to protect you in every aspect of running your business, whether it be home-based, office-centric, or even at a huge industrial estate. Different kinds of coverage can be bought separately and your company is only protected up to the level of coverage chosen.

Different Kinds of Coverage Available

There are many kinds of coverage that one can enlist for their business. Each kind should be considered carefully before purchasing so as to understand what is covered, to what extent, and, conversely, what is not covered. Besides property, vehicle, and employee coverage, the following are some other types offered:

  • Professional liability insurance– This is what protects the policyholder from mistakes that can lead to legal claims. A good example is a doctor who provides a treatment that leads to some kind of harm.
  • Businesses from home– A home-based business is frequently not covered by traditional home insurance. Things such as equipment, products, injuries while conducting business, etc., will not be covered with normal home insurance.
  • Product liability coverage– Should a product cause harm or damage, this is the kind of coverage that can payout for the liability.
  • Business interruption insurance– Very helpful for the event in which some kind of a covered event causes loss. This kind of insurance will ensure that, regardless of the issue, the business can keep on operating. This policy component can pay for the cost of another temporary operating facility, new equipment, worker salaries, supplies, etc., for a  certain designated length of time.

Big Benefits

Business insurance coverage can be a financial lifesaver in the event of some liability or other loss causing event. Not having it could end in disaster.

Good customer service and rates for both home and auto.
Ruth
Ruth
Joe was so kind and helpful when I reached out with questions concerning my auto ins. He gave me honest, no pressure advice that I was very appreciative of. Looking forward to working with him in the future.
Meteor Burger
Meteor Burger
John and his Team are always there to help us out. We carry various insurance policies we bundle and they make sure we are always getting the best service. I would recommend this team to everyone!
Mary Milsk
Mary Milsk
Shannon is the Best. Make sure you call "Young Insurance" because she use to work for Look Insurance but after she branched out and away from Look, they took her telephone number away and if you call that number a snotty guy will answer and won't give you any information on how to get in contact with Shannon. He seems that he doesn't like the fact that she is doing very well and offers a better insurance rate. So keep that in mind when looking her up.
Tim Simmons
Tim Simmons
Best of the best. Shannon is a gem that has gone above and beyond for my wife Lori West over the years. She just helped me get the best priced policy and is so very pleasant to work with. Larry also spoke with me and helped with our concerns. A. Young is by far the best. Thank you!
Phil West
Phil West
Super responsive, and dedicate their time to explain any questions you have. On top of the great service, they got me a great deal. If you're looking for a new insurance agency this is it.
M Rut
M Rut
20 years old and they got me the best rate!
Joseph Kovalchik
Joseph Kovalchik
Working with the agents here is a breeze. Best rate for the right coverage!
Andrew L
Andrew L
The staff is very knowledgeable and helpful and always takes the time to help me with my problem. I highly recommend them.I had occasion to change over my home insurance to A.Young Agency, and once again I was met with exceptional service by Joe LeDuc and Christine the office manager. They make one feel like they are family and go above and beyond to make one’s experience easy and stress-free. I highly recommend them.
Anne Lee
Anne Lee
All staff are very responsive and helpful great agency
Eric Doty
Eric Doty
Shannon is fantastic. She always takes time to acknowledge me when I stop in. The team there is friendly and I feel like they, although very professional, have a very personal investment in their business. 🥰
Mark Rouleau
Mark Rouleau
I've know John for many years and he's a Great Guy who knows his stuff.
M.C. Cawley
M.C. Cawley
I absolutely love this insurance company! They always call when there's a better deal available to save me money! This company keeps in touch and cares about their customers and even remembers my birthday and sends a birthday card! If there's a problem with the account they're quick to investigate. They always have a solution! Thank you A Young I love all of you! Even though the pandemic has been hard on my family you always know how to make me smile! GOD BLESS YOU ALL!
Lillie Collins
Lillie Collins
Working with Young Insurance is a pleasure.staff is friendly,knowledgeable,and will work with you to get the insurance you need at the best rates.
Kevin Cavanaugh
Kevin Cavanaugh
I just love Shannon, she's the best!! She works so hard to get the best rate for me.I would highly recommend this company.
Barb Genta
Barb Genta
Got me what I needed, when I needed it and at the price I needed.
Dale Hartzfeld
Dale Hartzfeld
Nice friendly local place for insurance
Kathleen Hoadley
Kathleen Hoadley
Joe is the best! Friendly staff that cares about you. I felt like family. Really appreciate the guidance and ease of switching insurance companies. Thank you - Nikki
Nikki Quintanilla
Nikki Quintanilla
Everything we buy in life has three parts to it.Service, price and quality. Normally, one can only expect two out of three. Very rarely do you ever get the total package. A Young Insurance is an insurance company~ that has excellent service , excellent quality and excellent prices! 10 🌠
Tracy Richardson
Tracy Richardson

1400 Scott Lake Road, Suite AA
Waterford, MI 48328