Dodge City Business Insurance

Dodge City, KS is famous for cattle ropers and gamblers. This cowboy town was once rough and tough. Now it's a window into the past. With over 27,720 residents in this historic city, there are a lot of sights to see.

When you're one of the 254,297 small business owners in the state, you'll need protection. An independent insurance agent has markets to give you options. You can connect with a local expert in your local area in minutes. 

Dodge City, KS Commercial Property and Insurance

Your business insurance is important. If you own a commercial property in Dodge City, you'll need protection from the elements. There are many different coverages your policy can have, so it's best to consult with a professional. Take a look at the most common property risks in Dodge City, KS:

1. Severe storms and lightning damage
2. Flooding and water damage
3. Tornadoes
4. Wildfires and residential fires
5. Burglary and other property crimes

While your property policy should have coverage for the main exposures in Dodge City, there is one that is excluded. Flood damage will need separate insurance to be covered.

Does your Dodge City property have flood insurance?

When flooding occurs at your commercial property, you'll need flood insurance to cover the loss. Water damage can be thousands of dollars. To avoid any out-of-pocket expense, get with an independent agent for quotes today. 

Are You Adding Value with Employee Benefits Coverage in Dodge City, KS?

With 604,215 people employed by small businesses in Kansas, you'll need to remain competitive. When you're looking to build a solid team, employee benefits coverage can help. Employee benefits allow your business to contribute to health insurance and more. 

If your employees are taken care of, they have more time to focus on your company. Create a package for your business so you can add value. Get with a Dodge City independent agent to come up with a plan. 

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General Liability Isn't the Only Policy You Need in Dodge City, KS

In 2019, a whopping $4,012,555,000 in commercial claims was paid in Kansas. Your general liability policy may not be enough insurance for all that could go wrong. Since there are several types of losses, there are different kinds of coverages. To ensure that you have adequate protection, speak with an independent agent. Take a look at some common liability coverages to discuss with a professional:

Do you have the right limits on you general liability insurance?

General liability insurance will protect your business from a lawsuit. While this policy is essential to have, it's not the only coverage you need. Consult with a trusted adviser to review your options. 

Is business interruption insurance included in your general liability policy?

Business interruption insurance pays for expenses when a catastrophe or disaster closes your doors. This coverage can last 12 to 24 months and will prevent permanent closure. Connect with an independent agent to make sure this is in your general liability policy. 

Cyber liability insurance is necessary, but often forgotten:

If you use email, your business needs this coverage. It will help your company pay for a lawsuit arising from a client's or employee's stolen data. Cyber attacks are real and frequent. To protect your business, get quotes from a Dodge City independent agent. 

Do You Need Worker's Compensation Insurance in Dodge City, KS?

Worker's compensation insurance is required in Dodge City, KS. If you have one employee or more, you must have this policy according to state law. Worker's compensation will pay for your employee's medical expenses due to a workplace injury. 

A professional can help you get the right limits for your worker's compensation with adequate coverage. Connect with a local independent agent to get started.

Why You Should Work with a Dodge City, Kansas Independent Agent

If you're tired of DIYing your business coverage, get an independent insurance agent. They have access to several markets, giving you options on policy and price. 

When you're looking for the best protection at a low premium, you'll need a trusted adviser in your corner. Connect with one of the 423 local independent agents on TrustedChoice.