FAQs

JP Hayes Insurance Agency

Have an insurance-related question? We have the answer. Check out these FAQs and give us a call today for more information!

  • Do I need workers' compensation insurance if I only have a few employees?

    Workers' compensation insurance is typically required even for businesses with few employees. While regulations differ by state, most jurisdictions mandate coverage for companies with at least one employee. This insurance serves to protect both your business and your staff by covering work-related injuries or illnesses, including medical expenses, rehabilitation costs, and lost wages.
  • What type of coverage do I need as a business owner?

    As a business owner, your core insurance needs generally include general liability, commercial property, and workers' compensation if you employ staff. Depending on your industry, professional liability may also be necessary. Many small businesses find a Business Owners Policy (BOP) advantageous, as it combines key coverages at a competitive rate. We recommend scheduling a complimentary risk assessment with our agency to develop a customized protection plan for your specific business requirements.
  • What types of commercial insurance does your agency offer?

    Our agency provides a wide array of commercial insurance solutions to meet diverse business needs. These include general liability insurance, Business Owners Policies (BOP), commercial auto insurance, workers' compensation insurance, commercial life insurance, and group health insurance. We're equipped to address various aspects of business protection through our comprehensive offerings.
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