Business Insurance
Guard your business and your bottom line.
Your business is your passion and the key to your livelihood. At Erion, we carefully select from multiple insurance providers to find the perfect policy, designed to protect your operations while keeping your financials secure.
Protect Your BusinessNiagara’s choice for tailored business insurance.
At Erion, we take pride in supporting local businesses with customized insurance solutions. Whether you're running a small business, a large enterprise, or something in between, our team is dedicated to finding coverage that meets your unique needs.
SMBInsurance
Small business, big protection! Our SMB insurance packages are tailored for the unique needs of small and medium-sized businesses covering property, equipment, and more to keep your operations running smoothly.
LiabilityInsurance
Mistakes happen - we’re all human! Liability insurance protects your business from legal claims, offering peace of mind so you can focus on what you do best.
CyberInsurance
Shield your business from the digital unknown. Our cyber insurance offers protection against data breaches, cyber-attacks, and online threats, keeping your sensitive information secure.
CommercialInsurance
Your business is unique, and so are its risks. With commercial insurance tailored to fit, protect everything from inventory to equipment and beyond—whatever you need to keep your business thriving.
Complete protection for your business needs.
Looking to protect your assets, address liability concerns, or cover employee-related risks? Our goal is to provide business insurance solutions that fit your company's distinct needs. Let us take care of the complexities of insurance so you can focus on running and expanding your business with peace of mind.
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BuildingThe physical structure of your business property—walls, roof, foundation—against damages like fire, theft, and vandalism. Having sufficient limits of insurance to rebuilding or replace are key.
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Business InterruptionSafeguards your income if an your building or business property is damaged and results in a stoppage in production or operations, helping to manage ongoing expenses and lost revenue during the downtime.
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Business Personal PropertyProtects the contents that are kept within your business location against damage or loss and includes such items as equipment, inventory, furniture and supplies. Having sufficient limits of insurance to replace these items is key.
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Commercial AutoKeeping your business on the road with peace of mind requires that you speak with your broker when your vehicle or truck is used for commercial purposes.
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Commercial PropertyThe contents, equipment, inventory, stock of your business. It is important to be aware of the replacement values.
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Crime CoverageProtects against losses due to employee theft or fraud, covering stolen money and funds within the bank.
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Cyber CoverageWhen sensitive information is compromised or a data breach occurs, this helps cover the cost of the recovery of data and resulting legal expenses.
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Earthquake InsuranceOffers protection against damage from earthquakes, which are excluded from standard property insurance.
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Equipment BreakdownPays for the repair or replacement of essential equipment if it fails due to mechanical or electrical issues, keeping your business running smoothly.
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Flood InsuranceFlooding represents the escape from a body of water, like a lake, river, stream and culverts or drainage ditches. Many policies excluded Flood and the coverage needs to be purchased separately.
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General LiabilityRepresents protection from lawsuits and legal matters, against a business, relating to Bodily Injury and Property Damage.
Secure your success with the right protection.
Safeguard My BusinessYour FAQs answered.
Have questions about insurance? You're not alone! From coverage details to claims processes, we’ve compiled answers to the most common inquiries to ensure you have all the information you need.
Read All Our FAQsWe offer a wide range of options, including liability coverage, property insurance, cyber insurance, and more. We’ll work with you to identify your business's specific needs and customize a plan that’s just right.
Business liability insurance helps protect you if someone claims your business caused injury or property damage. It can cover things like legal fees, settlement costs, and medical expenses, so you don’t have to pay these costs out of pocket.
Yes, standard home insurance often won’t cover business-related risks. Business insurance can protect your equipment, inventory, and liability needs, even if you’re running your business from home.
Cyber insurance protects you from losses due to data breaches, hacking, or other cyber risks. If you store sensitive customer or business information, cyber coverage is a crucial layer of protection in today’s digital landscape.
Absolutely! Every business has different needs, and as your broker, we can help you find flexible coverage options that match your unique requirements. From industry-specific protection to business interruption coverage or increased liability limits, we’ll work with you to tailor the right policy.
Business interruption insurance helps cover lost income and ongoing expenses if your business operations are halted due to a covered event, like a fire or natural disaster. This can help keep your business afloat during downtime.
Business insurance includes liability for customer injuries, but employee injuries are usually covered under workers' compensation insurance. We can discuss options to ensure comprehensive coverage for your team.
Factors like your industry, location, revenue, and claims history can influence your premium. Our brokers work to find competitive rates that provide the coverage your business needs.
Yes, general liability insurance is essential for most businesses. It covers bodily injury, property damage, and personal injury claims, helping to protect you from financial loss due to lawsuits.
Yes, we offer options to add coverage for specific equipment, machinery, or tools essential to your business operations so you’re not left in the dark if something goes wrong.
If you provide professional advice or services (like consulting or design), professional liability insurance protects you against claims of negligence or errors. It’s essential for professions where mistakes can lead to financial losses for clients.