Businesses come in many shapes and sizes, so business insurance policies follow suit. With a variety of business insurance products, Rutkousky Agency is able to find a policy to meet your specific needs. Owning and operating a business comes with a lot of uncertainty. The best way to deal with that uncertainty is to be prepared. Rutkousky Agency can help in preparedness, providing coverage for the things that matter most to your business. Whatever your priority is, protection against liability, ensuring your assets are covered or preparing for business interruption, we will find a plan specifically tailored to your unique business needs.
Please contact an agent for a comprehensive explanation or with any questions.
If you’re a small business owner, you may be eligible for a policy called a Business Owners Policy (BOP). This type of policy bundles liability and property coverages into one affordable policy. This type of coverage means you’re able to protect yourself against lawsuits while also keeping your property safe.
A Commercial Package Policy is a customized package composed of two or more business insurance coverages “bundled” from a single insurance provider. This policy allows a wider range of coverages and limits, allowing a business additional flexibility in tailoring their coverage to its specific needs.
General Liability Insurance helps protect your business from lawsuits. No matter how carefully and thoughtfully you run your business there’s always a chance your operations could cause damage to a third party that you could be held liable for. Potential lawsuit sources come in a variety of shapes and sizes, including bodily injury and property damage. However, even if your business is low-risk, General Liability Coverage is important as it also protects against lawsuits arising from intellectual property misuse or reputation damage.
Unfortunately driving is a risky activity. So, just like personal auto insurance is important for individuals, Business Auto Insurance is a key consideration for companies. Business Auto Insurance is an obvious need if your business has the need for any type of vehicle usage.
Professional Liability Coverage primarily protects you and your business from claims of negligence. Professional Liability Coverage is an important addition for industries where negligence suits are common. Usually industries that require a high degree of professional knowledge or offer their clientele professional advice utilize this type of coverage.
Do you have single or multiple commercial rental properties? Rutkousky Agency has you covered with Commercial Habitational Property Coverage. This would include single family homes, multiple homes, condos and apartment buildings.
Commercial Umbrella Insurance is a type of coverage that works with your existing coverage. It’s extra protection that kicks in after your existing liability limits have been exhausted. It’s important to note that this type of coverage is not stand-alone and only exists in addition to an underlying commercial policy.
Farm Coverages include everything a typical business would need like property coverage, liability and even auto insurance, but with specially tailored coverages that take into account the unique challenges of farming. Agribusiness Insurance Policies take into account these types of unique challenges and offers appropriate coverages. Nationwide is a leading insurance provider of Farm/Agribusiness Policies. Contact Rutkousky Agency for a custom farm policy.
For a customized business insurance policy, please request a quote and a Rutkousky Agency representative will get back to you as soon as possible.
For a customized business insurance policy, please request a quote and a Rutkousky Agency representative will get back to you as soon as possible.
Fidelity Bonds primarily protect you and your customers from theft and other fraudulent activities. Types of Fidelity Bonds include Business Services Bonds, Employee Dishonesty Bonds and ERISA Bonds.
A Business Services Bond is a bond that protects your customers from theft and other fraudulent activity. For example, if you run a home cleaning service and one of your employees steals money from the household, it would be protected under this type of bond.
An Employee Dishonesty Bond protects your business in the event an employee steals from the company or the company suffers financial losses as a result of an employee engaging in fraudulent behavior. This type of bond is more common in professional settings.
ERISA Bonds are designed to protect employee benefit plans against fraudulent management. For example an ERISA Bond would protect against losses incurred if funds from a pension plan were being embezzled by its manager.
Surety Bonds provide a guarantee that a business will complete a specific task or follow a specific set of legal guidelines. For example, the State of Ohio might require that a construction company adheres to specific building codes. If the construction company does not adhere to those codes, the state can place a claim on the bond. The construction company would then be held financially responsible for costs associated with the claim.
Protect your home and assets with coverages for a variety of living situations. Learn more >>
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Rutkousky Agency is an independent insurance agency providing home, auto, business, power sports, life and specialty insurance to people in Northeast Ohio and Western Pennsylvania since 1962. Rutkousky Agency brings experience, integrity and professionalism to each and every policy, leveraging our key industry relationships and business aptitude to provide great insurance coverage and excellent service.
4010 Boardman-Canfield Rd Ste 4
Canfield, OH 44406
p 330-533-6004 f 330-533-7033
6006 Mahoning Ave Ste J
Youngstown, OH 44515
p 330-792-4222 f 330-799-0368
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8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm 8:30am – 4:30pm Closed Closed |
Sat-Sun by Appointment Only