The logo for ray johnson insurance agency is blue and red

Protect Your Business with Customized Coverage

Business Insurance

A woman is getting a falafel sandwich from a food truck.

General Liability Insurance

Breathtaking colors of our planet
Button
A man is working on a metal pipe on a wall.

Commercial Property Insurance

Portraits of people from around the globe
Button
A man is laying on the floor fixing a sink in a kitchen.

Workers' Compensation Insurance

Stark beauty of desolate dunes
Button
An electrician wearing safety glasses and a hard hat is working on an electrical panel.

Restaurant Insurance

Visual odyssey across continents
Button

Your Business Deserves Strong Protection

Running a business comes with risks, from unexpected lawsuits to property damage and employee injuries. Without the right coverage, a single incident could have significant financial consequences. Business insurance ensures your company is protected from costly claims, accidents, and disruptions.

Additional Business Insurance Coverage We Offer

These specialized commercial insurance options help cover the unique aspects of your business beyond traditional policies:

A black and white drawing of a hard hat on a white background.

Contractor & Construction Insurance: From general contractors to specialty trades, we offer tailored protection for your equipment, job sites, and employees. Coverage includes liability, tools, workers’ compensation, and property damage.

A black and white icon of a padlock with a key in it.

Cyber Liability Insurance: If your business stores customer data or processes online transactions, cyber liability insurance is a must. It helps protect against data breaches, hacking, and financial fraud—keeping your business and customer information secure.

A black and white drawing of two hearts on a white background.

Nonprofit & Volunteer Liability Insurance: Nonprofits need coverage that protects both the organization and its volunteers. This policy helps safeguard against liability claims, ensuring your mission can continue without financial risk.

A black and white drawing of a barn and a building with leaves.

Farm & Ranch Insurance: Whether you own a small farm or a large agricultural operation, we provide customized policies covering livestock, farm equipment, crops, and liability.

A black and white drawing of an umbrella on a white background.

Commercial Umbrella Insurance: Think of this as extra protection when your primary policies hit their limits. If your business faces a large lawsuit, an umbrella policy adds an extra layer of financial security.

A bottle of liquor and a glass of liquor on a white background.

Liquor Liability Insurance: If your business sells, serves, or distributes alcohol, you could be held liable for alcohol-related incidents. Liquor liability insurance helps protect bars, restaurants, and venues from costly claims.

A black and white icon of a person holding a briefcase.

Employment Practices Liability Insurance (EPLI): In today’s workplace, legal claims from employees can be costly. EPLI covers your business in case of wrongful termination, discrimination, or harassment lawsuits.

Specialized Business Insurance to Fit Your Needs

At Ray Johnson Insurance Agency, we know that no two businesses are alike. That’s why we offer customized commercial insurance options beyond the basics, making sure you’re covered where it matters most.

  • What type of business insurance does my company need?

    The essential business insurance policies include general liability insurance, commercial property insurance, workers’ compensation, and business interruption insurance. Depending on your industry, you may also need cyber liability, professional liability, or commercial auto insurance.

  • Is business insurance required by law?

    Certain types of business insurance, such as workers’ compensation insurance, are required by state law if you have employees. General liability insurance and commercial auto insurance may also be mandatory depending on your industry and location.

  • How does general liability insurance protect my business?

    General liability insurance covers legal costs, medical expenses, and damages if your business is sued for bodily injury, property damage, or advertising injury. It’s essential for protecting against everyday risks that could lead to costly lawsuits.

  • What is a Business Owner’s Policy (BOP), and do I need one?

    A Business Owner’s Policy (BOP) combines general liability insurance and commercial property insurance into one affordable package. It’s ideal for small to medium-sized businesses looking for comprehensive coverage at a lower cost.

  • How does cyber liability insurance protect my business?

    Cyber liability insurance helps cover data breaches, hacking incidents, ransomware attacks, and legal fees related to compromised customer information. If your business stores sensitive client data, cyber insurance is crucial.

  • What’s the difference between commercial auto insurance and personal auto insurance?

    Commercial auto insurance covers vehicles used for business operations, including delivery vehicles, company cars, and work trucks. Personal auto insurance does not cover accidents that occur while using a vehicle for business purposes.

  • How much does business insurance cost?

    The cost of business insurance varies based on your industry, business size, location, revenue, and risk factors. Small businesses may pay as little as $500 per year for general liability, while larger companies with higher risks may require customized policies.

Share by: