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EastPoint Insurance Group has the expertise and integrity to help you find the right solution for any of your insurance needs. We strive to provide superior service and the most cost-effective insurance products for every client.

 

Business
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Let us find the right coverage to protect your business.

Employee Benefits
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We can help you protect your most valuable asset.
 

Medical Malpractice
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We can guide you to the perfect plan.

We Tailor Every Commercial Insurance Product to Fit Your Needs

EastPoint Insurance Group and its sister company KHA Solutions Group are proud to offer high quality insurance products tailored to fit your needs. If you need employee benefits, workers' compensation, business insurance, small business insurance, business health insurance, commercial insurance, medial malpractice insurance or any other type of coverage in Kentucky, Indiana or Florida, then contact us today!
 

How Much Coverage Does My Business Need?

Every business owner will eventually ask this question. There are so many options available that the decision can be overwhelming. The team at EastPoint Insurance Group has the expertise and experience to make sure you have the right coverage for your individual company, and we keep reviewing your coverage even after you're a client, because as your business changes, your insurance needs change as well.

Here are the basics, according to Forbes magazine:

  1. General Liability Insurance: Every business, even if home-based, needs to have liability insurance. The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party.
     
  2. Property Insurance: If you own your building or have business personal property, including office equipment, computers, inventory or tools you should consider purchasing a policy that will protect you if you have a fire, vandalism, theft, smoke damage etc. You may also want to consider business interruption/loss of earning insurance as part of the policy to protect your earnings if the business is unable to operate.
     
  3. Business owner’s policy (BOP): A business owner policy packages all required coverage a business owner would need. Based on your company’s specific needs, you can alter what is included in a BOP. 
     
  4. Commercial Auto Insurance: Commercial auto insurance protects a company’s vehicles. You can protect vehicles that carry employees, products or equipment.
     
  5. Workers' Compensation: Workers' compensation provides insurance to employees who are injured on the job. This type of insurance provides wage replacement and medical benefits to those who are injured while working. In exchange for these benefits, the employee gives up his rights to sue his employer for the incident. As a business owner, it is very important to have workers' compensation insurance because it protects yourself and your company from legal complications. State laws will vary, but all require you to have workers' compensation if you have W2 employees. Penalties for non-compliance can be very stiff.
     
  6. Professional Liability Insurance: This type of insurance is also known as Errors and Omissions Insurance. The policy provides defense and damages for failure to render or improperly rendering professional services. Your general liability policy does not provide this protection, so it is important to understand the difference. Professional liability insurance is applicable for any professional firm including lawyers, accountants, consultants, notaries, real estate agents, insurance agents, hair salons and technology providers to name a few.
     
  7. Directors and Officers Insurance: This type of insurance protects the directors and officers of a company against their actions that affect the profitability or operations of the company. If a director or officer of your company, as a direct result of their actions on the job, finds him or herself in a legal situation, this type of insurance can cover costs or damages lost as a result of a lawsuit.
     
  8. Data Breach: If the business stores sensitive or non-public information about employees or clients on their computers, servers or in paper files they are responsible for protecting that information. If a breach occurs either electronically or from a paper file a Data Breach policy will provide protection against the loss.
     
  9. Umbrella Insurance: You may want some additional coverage, on top of insurance policies you already have. This is where personal umbrella insurance comes into play. This type of insurance is an extension to an already existing insurance policy and covers beyond the regular policy. This insurance can cover different kinds of claims, including homeowner’s or auto insurance.