SecureOne Life offer a wide range of insurance products for business owners.  As a business owner, you worry for the future of your company in a time when many businesses are facing unforeseen obstacles. In addition to making sure the company is growing, you must also plan for mistakes or accidents that could potentially devastate your business. You are also faced with issues like retaining your key people, preparing for their loss and retirement. Ignoring these issues can be a danger to the business.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. Commercial business insurance is an important aspect of any business that cannot be ignored especially if the business premises are leased or rented. There are various types of commercial business insurance that take care of property, liability and workers’ compensation, to name a few.

You know your business and understand how cash flow struggles are among the most common challenges faced by business owners. One way to help avoid them is to make sure that you’re getting the most out of every dollar you spend on your business. Putting protection in place is one of the most cost-effective things you can spend your money on.

Business Owner’s Guide to the New Normal


The dreams of small business owners and the business plans that outline the strategy to fulfill those dreams rarely include the insurance protections that business owners will need. Yet, having adequate protection can help your business succeed, while protecting you and your family from financial risk.

Consider these key insurance protections:


This is a typical package of coverage that addresses the basic and most important needs of the small business owner. This package includes:

  • Liability coverage, which provides defense and damages protection if you, your employees or products and services cause bodily harm to a third party
  • Property insurance, which will cover buildings or other business property such as equipment, computers and inventory from losses due to fire, vandalism, theft, smoke damage, etc
  • Business interruption insurance, which can provide income when events prevent you from conducting business
  • Vehicle coverage for vehicles the business may own or for when employees use personal automobiles for business purposes
  • Worker’s Compensation: This insurance covers employees who are injured on the job with wage replacement and medical benefits. In exchange for these benefits, employees forfeit the right to sue. All states require this coverage and levy stiff penalties for noncompliance

Other insurance coverage that may be applicable to a smaller subset of business owners include:


Help attract, retain and reward employees by offering them affordable health benefits. We offer group plans for: Health, Life Insurance, Disability & Long-Term Care In today’s environment, offering the right health insurance benefits can be a challenge. You want to provide the best possible plan for your employees yet it must also be cost efficient for your business.

SecureOne Life partners with a leading national management services organization (MSO) whose technology-enabled staffing and business services platform helps businesses:

  • Achieve greater efficiency
  • Expand revenue
  • Enable greater member care

These Health Plans Assure:

  • Access to affordable healthcare
  • Freedom to choose your doctors
  • Genuine cost savings for both the employer and employee
  • True control of an individuals own healthcare by the individual

Client retains control over payroll and HR functions, while having access to the MSO’s comprehensive benefit offerings.  Health insurance plans are available for groups as small as a single employee.

These affordable health plans are designed to provide comprehensive major medical health insurance coverage that cost less, protects families, and meets ACA compliance requirements.

Employees can choose from plans that best fit their individual needs, open a health savings account where eligible, and utilize the expansive Cigna PPO network.

Please reach out to discuss your business needs and let us quote a plan that offers peace of mind, and cost savings.


If you own a business, you probably purchase general liability insurance to protect you in the event of a lawsuit due to negligence. However, there may be situations where the limits of your general liability policy may not provide adequate protection. Umbrella coverage protects you when accidents happen and your existing liability insurance policies cannot cover all of the expenses. It provides additional protection when your business auto liability, general liability or professional liability coverage stops. It expands the limit of your underlying liability policies and it broadens coverage for things that your underlying policies may not cover.


General Liability Insurance provides coverage for damages to third parties. It protects a business against claims due to injuries, accidents, and negligence. It can protect your business from costs related to bodily injury, property damage, medical expenses, legal costs, judgments, and personal injury claims such as libel and slander. A basic policy limit is $1,000,000 of coverage and for contractors a basic limit is $500,000.


Professional Liability insurance, also sometimes referred to as Errors and Omissions insurance or E&O, protects businesses or individuals in the event that a customer holds your company or business owner responsible for a service that was provided, or failed to provide, and did not have the expected or intended results.  Professional Liability insurance is separate from a General Liability (GL) insurance policy which would cover you mainly for bodily injury or property damage liability.


A business exit strategy is a plan for the transition of business ownership either to another company, family, or investors. Even if an entrepreneur is enjoying good proceeds from his firm, there may come a time when he wants to retire and/or venture into something different. When such time comes, the business can be sold, left in the hands of new management, or acquired by a larger company.


Workers’ compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries.  By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, workers’ comp coverage is the largest part of its insurance expense.


If a key employee dies, will your business suffer financially? Key employee life insurance is owned by a company on the life of one of its valued employees.

The death of one of your key employees could cause serious problems to your company, such as lost sales, lower earnings and added costs for hiring and training a replacement. Key employee life Insurance provides a death benefit that helps you replace these costs and operate smoothly after losing a key employee.


Business owners with the desire to see their businesses continue after they are no longer involved need to plan quite carefully. When an owner (or owners as it may be) is planning for succession in a retirement or buyout scenario there are many things to consider. When the succession planning being addressed involves the death of the owner, the topic of life insurance comes to the forefront.

With business succession planning, as in other estate planning1 situations, life insurance can provide an immediate lump sum of money. That sum, the death bene­fit, can be used by the bene­ficiary to buy out the deceased owner’s share of the business.

One of the most common business succession planning strategies is the “buy-sell agreement”. A buy-sell agreement is when one party (or parties as it may be) agrees to buy the deceased owner’s share of the business at a predetermined price from the deceased owner’s estate or heirs. Having such an agreement in place can help to ensure the smooth transition of ownership while also minimizing the potential disruption of day-to-day operations; operations that may already be impacted because of the deceased owner’s absence.

The life insurance policy can provide the funding necessary to buy out the deceased owner’s share of the business. A business’s continuation can be jeopardized when there is no agreement and/or insurance policy in place.  One of the main types of life insurance used to fund a buy-sell agreement is Whole Life Insurance.


A surety bond is a contract between three parties—the principal (you), the surety (bond provider) and the obligee (the entity requiring the bond)—in which the surety financially guarantees to an obligee that the principal will act in accordance with the terms established by the bond.  It also helps principals, typically small contractors, compete for contracts by reassuring customers that they will receive the product or service promised.

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Shopping for business insurance can be challenging and time-consuming, but SecureOne simplifies the process by handling the details for you. When you choose SecureOne, there’s no need to visit multiple websites searching for the best insurance coverage because we automatically compare insurance quotes from top insurance companies to ensure you get the best coverage and great rates.

  • Access to top carriers through a single, quick online application
  • Instant quote comparison for multiple lines of business
  • Binding and purchasing policies online
  • Generating certificates of insurance and updating payment methods on one platform
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Not sure what you need? Let us help you eliminate the guess work to make sure your life’s work is protected from the unexpected.

  • We can review your current plan or policies to insure they still meet your goals.
  • Let us provide a no cost insurance policy and/or plan review to make sure your life’s work is protected from the unexpected.
  • We can review any life changing events like weddings, death, college, divorce, new family additions, promotions, or home purchase.