Garage insurance protects businesses with garage facilities from all kinds of risks, such as injuries, property damage, and human mistakes. Without this insurance, a small business’s reputation can be seriously tarnished and hard-earned money will go not to profits, but to payouts. Garage liability insurance mostly applies to towing businesses and service stations that help protect customers’ cars and trucks …

Heyer Spear Insurance, Inc. provides insurance to Accounting Firms in Titonka, Forest City, Thompson, Britt, Algona, Buffalo Center, and surrounding areas. At Heyer Spear Insurance, Inc., we offer coverage options for accounting firms designed to cater to specific needs within your industry. To go along with the core coverage options we offer, we will work with you to create a …

Alarm contractors face a number of challenges specific to their industry. Installation and continuous service to your customers can leave you and your business vulnerable to a number of potential pitfalls if you aren’t properly covered. At Heyer Spear Insurance, Inc., we can work with you to find coverage for all aspects of your business, from errors committed during installation …

As an arborist, you need specialized coverage catered to your business. There are regulatory issues to adhere to, tools and equipment that need to be covered, potential replacement of trees due to accidental destruction, property damage or bodily harm caused by pesticides or herbicides, and much more. Here are some of the coverage options we offer to arborists: Liability coverage …

Bars and taverns require unique insurance needs, but fortunately, bar insurance is available to help you comply with local laws regulating insurance needs for such establishments and to help if you need reimbursement after some unexpected costs. Bar Insurance Policy Features Most forms of Bar Insurance are actually a combination of four important policies: Business Owner’s Policy—The Business Owner’s Policy …

A great deal of business relies on moving items from one place to another—and box trucks provide a reliable way to transport a number of goods. Whether you’re helping people change homes or moving products from a distribution center to a retail store, you’re helping to meet a steady demand for transporting items in bulk. However, the sheer variety of …

Existing buildings are exposed to a wide variety of threats—fire, flooding, and vandalism are just a few of the ways building structures can be harmed. However, buildings under construction aren’t ready to face risks that completed buildings can withstand. There’s also the chance of an accident during the construction phase, like materials being destroyed or installed incorrectly. A proper risk analysis …

Car dealerships have many insurance needs, including: The risk of vehicles being stolen from a lot Loss of inventory from natural causes (weather, disasters, etc.) Damage to customers’ vehicles when they’re brought in for repair Rental vehicles (especially those loaned to customers while their vehicle is in the shop) being damaged or destroyed None of these costs are minor—the bill …

The ability to move products from one place to another is the backbone of our entire economy. Whether you’re moving products from a port to a store for sale, helping people move between homes, or transporting raw materials for manufacturing, you know how important it is to get the job done safely and on time. However, without cargo insurance and …

The catering business can involve a lot of risks. Caterers work on other businesses’ property and perhaps even in their kitchens, and rely on suppliers and other vendors to furnish the necessary items to provide food. With so much happening—between supplying food, preparing it, transporting it, and serving it to customers—much can unexpectedly go wrong. All of these variables put …