Not every entrepreneur needs to invest in commercial insurance, but that really has less to do with your industry or with the laws regulating insurance in Bourbonnais, IL than with the scale of your business. If you run a photography studio at home, for instance, and your equipment is all covered on your home insurance policy, then you might not need to give George Ryan Jr. Insurance Group Inc a call just yet. You need to make sure that you have some basic liability in place, of course, if you’re going to have clients come into your home, but commercial insurance isn’t really intended for most home businesses.

As you begin to expand your business, commercial insurance may become more and more of a necessity. If you decide to invest in a van so that you can drive to events to get some photos for your clients, if you’re hiring an assistant and bulking up your camera equipment arsenal, if you’re renting an office or a studio where you conduct your business, then commercial insurance may become absolutely necessary.

Essentially what it comes down to is whether or not you have something worth insuring that isn’t covered by your home or auto policy, that’s when you need to give George Ryan Jr. Insurance Group Inc a call about getting your Bourbonnais, IL business insured under a commercial policy. Put it another way: If you’re fretting over the money it’s going to cost to insure your business, then you probably don’t have to worry about it just yet. By the time you need coverage, you’ll probably be making more than enough to cover it without any issues.