Insurance tailored to your business’s needs and budget

Business insurance protects your small business from financial damages that can result from accidents, property damage, professional errors, workers’ compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.

Guaranteed Quote within 24 hrs.

We work quick and efficiently to get you fast & accurate quotes.

We make it a Fast & Easy process

We use confidential E-Forms so you can easily sign and send documents.

We give you choices, to get the best coverage

With access to multiple companies we check rates and coverage types with multiple companies at once.

Save money, see the savings we can get you!

By shopping around you can rest assured we are getting you the best policy and price in the market.

Big coverage for small businesses

  • Business Insurance
  • General Liability
  • Professional Liability
  • Errors & Omissions
  • Workers Compensation
  • Umbrella
  • Contractors Bonds
  • Other Misc. Coverage

Sole proprietor or a team of 20 we have you covered

  • Small Business Owners
  • LLC’s
  • Sole Proprietors
  • Entrepreneurs
  • Side Hustle
  • Contractors
  • Home Businesses

Top Industries

Commercial Auto

Commercial Auto insurance is essential to protect your business from unexpected expenses. Whether you have a single work truck or a small fleet your policy you can depend on Senica Insurance to keep you on the road and your business moving forward.

Contractors

Senica Insurance understands the dangers inherent to your profession. We have worked with many local general contractors in the area and Our talented team is well versed in the complex risks of construction, allowing them to keep your team safe and your business secure.

Trade Professionals

As a tradesman professional, you face serious risks every day. A lot can go wrong at a job site even with safety precautions and protections in place. Senica Insurance will make sure you are protected.

Farming

No matter what you produce or your size of operation, we provide comprehensive coverage for your farm including your personal property, crop damage, equipment and more.

Bar & Restaurant

Senica Insurance provides bar and restaurant owners (including food trucks), superior coverage to protect you from spoilage of food, liquor liability, equipment breakdown, loss of income and more.

Commercial Umbrella

Without Commercial Umbrella Insurance, business owners could be obligated to pay out of pocket for legal fees, medical bills, and damage expenses that exceed the limits of their underlying primary business coverage. Senica Insurance will make sure you are covered.

Frequently asked questions

Why do I need Small Business Insurance?

You need business insurance to protect against severe financial loss. Without it, your business could be crippled by a single incident. For example, a customer was injured and you’re legally responsible. Without insurance, the medical bills and legal fees could become impossible to afford. Don’t let this happen to you.

Insurers calculate the cost of your policy using several basic factors, including your profession, number of employees and coverage needs. You can expect to pay above the average rate if you require more coverage, lease a unique property or have a claims history. Learning how these factors influence your premium can help you secure the best combination of price and protection for your situation. Call, Text or message us to get a quote.

Each business has unique needs, but nearly all should consider general liability. It’s the most common coverage, protecting businesses against various situations involving third-party injuries or property damage (e.g., slip and falls, broken windows). If you or your employees drive for work-related tasks, you’ll probably need commercial auto insurance. Most states require that you carry workers’ compensation if you have employees.

Business insurance isn’t a specific coverage. It’s a term used to describe one or more individual coverages that protect a small business. The range of protection depends on the specific coverages a business carries. For example, “business insurance” can refer to a single coverage, such as general liability, but it can also include many more.

Yes. As a matter of fact, sole proprietors are personally responsible for their business’s debts. In other words, their personal assets, such as bank accounts or property, might be targeted to satisfy an outstanding business debt. Accidents are unavoidable, but the financial impact they can cause is something you should plan for no matter how small your business is.

Businesses We Insure