What insurance does a small business actually need?
Much of a business’s success depends on how well it can overcome obstacles.

Luczkowski Agency Insurance and Financial Services is here to help guide you through the perils that you likely don’t anticipate.

Bad Luck Case #1
In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.

Bad Luck Case #2
ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Call Luczkowski Agency Insurance and Financial Services in Chesterland OH at (440) 729-4042