Small Office-Based Business Owners Partner with Utica First for Peace of Mind
When it comes to small office-based advertising agencies, many may think they are low-risk operations. Owners often equate the size and scope of their offices with having a low exposure rate to risks and tend to underinsure, assuming a basic policy is adequate.
Small advertising agencies typically serve small to midsize companies and organizations, local businesses and non-profits, to name a few. They offer a mix of services that include development of brands and graphic marks or logos, marketing and sales collateral, photography, video, digital marketing, social media, consumer education campaigns, and more. These services come with risks, and coverage should match their potential financial loss and not be based solely on the size of the business.
Risks for Claims
- Errors and omissions, such as an error in printed materials, a missed publication deadline, or errors in an advertising campaign.
- Assets vital to daily operations, such as computers and other equipment, software, and furniture, can be stolen or damaged.
- Personal/private data can be breached, and ransomware demanded.
- Business income can be lost or interrupted due to floods or fires.
Without the proper coverage, small business owners will be personally responsible for unexpected claims. From a single claim, a business owner could see significant out-of-pocket financial expenses that could potentially lead to closure of their business.
BOP—Empowering Agents and Brokers
Utica First makes insuring office risks easier and more robust. We empower agents and brokers by offering our popular business owner program. At Utica First, we listen to feedback from our agents and brokers and understand the challenges they face. Our BOP is a comprehensive insurance solution, designed to meet the needs of a large segment of small businesses and simplifies the quoting process.
What’s Included
Standard coverages include business property insurance (physical location and property), general liability insurance (financial loss from property damage, bodily injury), and business income insurance (interruption to business from property damage, fire).
Options for Customization
Below are options to take the BOP coverage to the next level:
- Miscellaneous Professional Liability—protects professional exposures that go beyond a general liability policy
- Employment Practices Liability—protects against lawsuits, e.g., discrimination, wrongful terminations, and other employment issues
- Cyber Liability—protects against customer data breaches
Why Utica First
At Utica First, our policy is putting you first. We believe in the power of teamwork and the strength of our dedicated agents and broker partners. Our team is known for its character and integrity—going above and beyond for our agents and broker partners. We are here to make your life easier and support your customers and overall success.
How to Learn More
If you have small office customers in the states of New York, New Jersey, Connecticut, Pennsylvania, Ohio, Maryland, Virginia, or Massachusetts, visit www.uticafirst.com to learn more about how to build the best office coverage for them.
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