Running a small business is a little like juggling flaming torches while riding a unicycle thrilling, unpredictable, and sometimes a bit chaotic. You’re the boss, the bookkeeper, the problem solver, and the visionary. But while you’re busy keeping the business running, there’s one thing that often gets pushed aside: protecting it.
Your business isn’t just your income, it’s your livelihood. It’s the foundation for your family, your employees, and your future. And that’s precisely why the right insurance coverage matters.
Your Business Is More Than a Building
Whether you own a boutique in Festus, a café in Hillsboro, or a landscaping company in De Soto, your business is made up of more than bricks, shelves, and equipment. It’s made up of your dreams, your time, and the trust of your customers.
That’s what insurance protects not just “stuff,” but the story you’ve built.
Here are a few areas where small business coverage can make all the difference:
1. Property Insurance
Covers your physical space and equipment from your computers to your coffee machines. Fire, theft, or storm damage can happen overnight. Coverage keeps your business from being knocked off course.
2. Liability Protection
Accidents happen even to the most careful owners. Liability insurance helps protect you from claims if someone gets hurt on your property or if a product or service causes harm.
3. Business Interruption Insurance
If an unforeseen event (like a storm or fire) forces you to close temporarily, this coverage helps cover lost income and ongoing expenses while you get back on your feet.
4. Workers’ Compensation
If you have employees, it’s not just a smart move, it’s often required. It protects both your team and your business in the event of a workplace injury.
“But I’m Just a Small Business — Do I Really Need All That?”
Absolutely. In fact, small businesses are often more vulnerable because one unexpected expense can throw everything off balance.
You don’t need every coverage under the sun — just the right combination for your industry, size, and goals. That’s where a local, relationship-focused agent makes all the difference.
At The Ghirardi Agency, we don’t believe in cookie-cutter policies. We take time to understand how you operate, where you’re growing, and what matters most to you. That way, your insurance supports your business — not the other way around.
For a helpful overview of small business insurance basics, visit the U.S. Small Business Administration (SBA). It’s a great starting point before reviewing your own coverage.
Why Working with a Local Agent Matters
You’re not calling a 1-800 number. You’re calling us — people who live here, shop here, and want your business to thrive here. We know Jefferson County’s local regulations, weather patterns, and risks because we live them, too.
When a storm rolls through or an accident happens, you’re not waiting hours for a callback. You’re getting honest answers from a real person who knows your name and your story.
Protect Your Passion
You’ve poured your heart into your business — don’t leave it exposed. The right coverage isn’t just a safety net; it’s a strategy for growth and longevity.
Let’s make sure your business, your most valuable asset, receives the same care you provide to your customers daily.
At The Ghirardi Agency, we believe insurance should feel personal — not complicated. Our goal is to help you protect what matters most with clarity, care, and confidence. Whether it’s your family, your home, or your business, we’re here to walk beside you every step of the way.
Have questions or want to review your coverage? Reach out anytime — we’re local, we listen, and we’re here to help.