Smart protection for main street businesses
Small Business Insurance
Running a small business means wearing every hat. Insurance shouldn’t be one more thing to worry about.
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Insurance That Fits the Way Small Businesses Work
Running a small business means you’re the owner, the manager, the marketer and often the one who locks up at night. You don’t have time to decode insurance policies or chase down answers.
We make it simple.
We take the time to learn how your business runs, find the coverage that fits, and shop multiple carriers so you get strong protection at a fair price. When something happens, you call a person who knows you by name, not a policy number.
Why Small Businesses Choose Phelan
A real person who knows your business. You work with a dedicated advisor who understands your operation and answers your calls.
Options from multiple carriers. As an independent agency, we compare options for you instead of offering a single company’s products.
Plain-English answers. We explain what you’re covered for, what you’re not, and why it matters.
Support when you need it most. From certificates of insurance to claims, we handle the details so you can get back to work.
Cost-Optimized Coverage for Small Business
Every small business is different, so your insurance should be too. We start by learning how your business runs, what you own and where your biggest risks are. Then we compare options from multiple carriers to build coverage that protects your property, your employees, your customers and your income.
Whether you need a simple Business Owners Policy or a more complete plan, we’ll help you get the right protection without paying for coverage you don’t need.
Business Owners Policy (BOP)
A cost-effective package that combines general liability and commercial property. It's a smart starting point for many small businesses.
General Liability
Protects you if a customer is injured on your premises or claims your business caused property damage. Many landlords and clients require it before you can sign a lease or contract.
Commercial Property
Covers your building (if you own it), equipment, inventory, furniture and fixtures against fire, theft, vandalism and other covered losses.
Commercial Auto
Protects vehicles used for your business, whether that's a delivery van, a service truck or a personal car used for business errands.
Commercial Umbrella
Adds an extra layer of liability protection above your other policies for the large claims that could otherwise threaten your business.
Ohio Stop Gap
Ohio workers' compensation through the BWC covers injured employees but does not include employer's liability. Stop Gap coverage fills that gap if your business is sued over a workplace injury.
Business Income
Helps replace lost income and pay ongoing expenses if a covered loss forces you to close temporarily.
Cyber Liability
Small businesses are frequent targets for data breaches, ransomware and payment fraud. Cyber coverage helps with recovery costs, customer notification and liability.
Getting Covered is Simple
1. Tell us about your business.
A short conversation helps us understand what you do, what you own and what keeps you up at night.
2. We shop the market.
We compare coverage and pricing from multiple carriers and put together options that fit your needs and budget.
3. Review and get protected.
We walk you through your options in plain language. Once you choose, you’re covered.
Built for Main Street
Downtown businesses face risks that a generic policy can overlook. We help you plan for them.
Older Buildings
Historic storefronts often come with aging wiring, plumbing and roofs. We help make sure your property coverage reflects what it would cost to repair or rebuild today.
Shared Walls & Neighboring Tenants
A fire or water leak next door can shut your business down. The right property and business income coverage helps you recover from damage that starts somewhere else.
Heavy Foot Traffic
More customers means more chances for slips, trips and falls. Solid general liability coverage protects you when accidents happen.
Sidewalks, Signage & Outdoor Seating
Sandwich boards, awnings and patio dining add appeal and exposure. We review your lease and local requirements so you're covered.
Community Events & Festivals
Street fairs, sidewalk sales and holiday events bring in business. We can help with event coverage and certificates when organizers ask for them.
Parking & Deliveries
Employees running errands or making deliveries in their own cars can create liability for your business. Hired and non-owned auto coverage helps protect you.
Businesses We Help Protect
From storefronts to service trucks, we protect the businesses that keep our community running. We know the risks that come with your industry and build coverage that fits the way you work. Some of the businesses we serve include:
Professional Services
Salons, Barbershops & Spas Fitness Studios & Gyms Professional & Medical Offices
Retail & Hospitality
Retail Shops & Boutiques Restaurants, Cafes, Bakeries & Bars Party Rental & Specialty Stores
Trades & Contractors
Contractors & Skilled Trades Auto Repair & Service Shops Landscaping & Lawn Care
FAQ
What insurance does a small business need?
Most small businesses start with general liability and property coverage, often combined in a Business Owners Policy. If you have employees, workers’ compensation is typically required. Depending on your business, you may also need commercial auto, cyber liability or liquor liability.
What is a Business Owners Policy (BOP)?
A BOP bundles general liability, commercial property and often business income coverage into one policy. It’s typically more affordable than buying each coverage separately.
How much does small business insurance cost?
Cost depends on your industry, location, size, payroll, claims history and the coverage you choose. Because we work with multiple carriers, we can compare options to help you find competitive pricing.
Does my landlord's insurance cover my business?
Usually not. Your landlord’s policy typically covers the building itself, not your inventory, equipment, improvements or liability. Most commercial leases also require tenants to carry their own coverage.
Do I need insurance if I'm a one-person business?
Yes. Even without employees, you can be held responsible if a customer is injured or you damage someone’s property. Liability claims can be costly for a business of any size.
Can you provide a certificate of insurance quickly?
Yes. Landlords, clients and event organizers often ask for proof of coverage. We can provide certificates promptly so you don’t miss an opportunity.
What happens if I need to file a claim?
Call us. Our dedicated Claims Manager will help you understand your coverage, guide you through the process and work with the carrier on your behalf.