When you own a cleaning business, you do more than just clean. Special challenges abound, including the potential for liability or exposure in your business. Business insurance can be a little more complicated for cleaning companies than it is for other businesses because of increased liability exposure. Cleaning Business Insurance Features Business insurance can cover more than just equipment; it …

Construct a Protection Plan for your Business Heyer Spear Insurance, Inc. provides insurance to construction businesses in Titonka, Forest City, Thompson, Britt, Algona, Buffalo Center, and surrounding areas. Just like any other business, your construction business needs core insurance offerings to go along with industry-specific coverage. Expensive equipment and tools, and possible injury should be taken into account when thinking …

Contractors get the job done—but take on a lot of risks while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors …

As a handyman, you’re the person who fixes items when they break. Your job is to help others, but even with the best of intentions, mistakes can happen that but your business on hold, potentially allowing competitors to step in and take your customers if you’re out of business for too long. If you don’t have insurance yet, you may …

If your business owns and operates three or more vehicles as part of its daily operations, you may be eligible for a fleet insurance policy. These plans resemble a commercial auto policy that covers many vehicles at the same time, helping you to meet coverage requirements at an affordable rate. Industries that can benefit from fleet insurance coverage include: Government …

You rely on your food truck for more than just a means of transportation to your job—you need it to run the business, too, and that makes it vital to ensure that your truck has the coverage it needs if something goes wrong. Food trucks are one of the most unique risks to insure because they occupy many insurance categories …

Industry-Specific Coverage, Built for your Business Heyer Spear Insurance, Inc. provides insurance to financial institutions in Titonka, Forest City, Thompson, Britt, Algona, Buffalo Center, and surrounding areas. At Heyer Spear Insurance, Inc., we work hard to create services and coverage options that fit the specific needs of your business. We understand the protection needs of Financial Institutions, from investment firms …

Complex Insurance Options, Built for the Education Industry Heyer Spear Insurance, Inc. provides insurance to educational facilities in Titonka, Forest City, Thompson, Britt, Algona, Buffalo Center, and surrounding areas. Educational facilities continue to grow, as do the risks involved in operating them. Schools require multifaceted protection plans that can match the complexity of the institutions themselves. At Heyer Spear Insurance, …

If a dump truck is part of your business operation, you understand the importance of insurance for that vehicle. All vehicles need to be insured, of course, but dump truck insurance can make sure you are covered from unique issues related only to a dump truck. Heyer Spear Insurance, Inc. agents can help you with basic insurance on the vehicle …

With nearly one million people employed and an industry revenue of over $125 billion in the United States, dentistry is a big business—but it’s also a vulnerable one because a single slip of the hand could cause damage that’s not easily fixed. As a dentist, you’re susceptible to issues like leaks of patient information, forgetting to properly update the patient’s …