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Small Business Insurance in Canton, Massillon, and the Surrounding Area

Your small businesses needs many types of coverage in order to adequately secure itself against losses in the event of certain common business casualties. Common elements of small business insurance include:

  • General Liability Insurance: This policy covers a business against claims arising from problems like libel, slander, medical expenses, property damage, medical expenses, and the cost of defending against a lawsuit.
  • Product Liability Insurance: If you deal with a product - whether it's manufacturing, retailing, wholesaling, or just distributing it - you may be responsible for keeping it (and people in the area around it) safe. The amount required depends mainly on the products involved - the larger and/or heavier the products are, the more coverage is needed.
  • Professional Liability Insurance: Similarly, if you provide any kind of professional service, you may need coverage for errors, malpractice, and negligence. Some companies are required to have this type of coverage (especially, though not exclusively, those in the medical field).
  • Commercial Property Insurance: If your small business owns any kind of physical property (an office, a retail store, a warehouse, etc.), this coverage insures it against a wide variety of natural and man-made forms of damage. If your business is particularly vulnerable to a certain type of damage (flooding, vandalism, etc.), you may need additional coverage for that specific problem.
  • Home-Based Insurance: If you're running a business from your home, then your homeowner's insurance probably doesn't cover any of your business operations. You may need to purchase additional coverage separately, or as an extension of your existing plan. Speak to a DiStefano Insurance agents to find out.

Many other industry-specific forms of coverage are available. For more information about what policies are the most important for your business, talk to one of our agents and ask for a full risk assessment. You can research forms of insurance through reputable sources—this information is available for free online, courtesy of groups like the National Association of Insurance Commissioners.

Insurance Requirements for Small Business

All small businesses are required to have Workers' Compensation, Unemployment Insurance, and sometimes Disability Insurance. Other requirements for small business insurance vary by industry, as well as local, state, and federal law.

What constitutes a small business?

The exact definition of a small business varies by industry, but according to the Small Business Administration, it's usually 500 employees or less for mining or manufacturing, and $7.5 million or less in revenue for other industries. Note that there are many exceptions to this rule, and they are listed in detail on the Small Business Administration's website.

 

1. "Insure U Get Smart About Insurance." Accessed April 14, 2016. http://www.insureuonline.org/smallbusiness/.

2. "Insurance Requirements for Employers." The U.S. Small Business Administration | SBA.gov. Accessed April 14, 2016. https://www.sba.gov/managing-business/running-business/insurance/insurance-requirements-employers.

3. "Summary of Size Standards by Industry Sector" The U.S. Small Business Administration | SBA.gov. Accessed April 14, 2016. https://www.sba.gov/contracting/getting-started-contractor/make-sure-you-meet-sba-size-standards/summary-size-standards-industry-sector.

Our Locations

DiStefano Insurance

2036 Locust St S
Canal Fulton, OH 44614
Main office: 330-680-5975
Toll free: 800-468-9558
Fax: 330-854-2481

Petit Insurance

203 N Portage St
Doylestown, OH 44230
Main office: 330-681-6031

Ungashick Insurance

4942 Higbee Ave. N.W.
Canton, OH 44718
Main office: 330-441-4352
Fax: 330-492-3660

United Group Alliance

2036 Locust St S
Canal Fulton, OH 44614
Main office: 330-529-5526
Toll free: 888-783-8773
Fax: 330-854-2481

Our Providers

Testimonials

"Dave has provided excellent service and great coverage for years and I expect for many years to come!"

David H. Canton, OH
"I periodically insurance shop around, and Distefano always has the best HOME, AUTO, UMBRELLA packages - don't be influenced by who puts out the most silly TV commercials!"

Loren M. Massillon, OH
"Congratulations DiStefano Insurance on great service! I have been a client for many years...and plan to keep it that way!"

John S. Massillon, OH
"We have been with DiStefano for 34 years and Lou has always been there for us!....Thanks!"

Dan H. North Lawrence, OH
"DiStefano Insurance has been taking care of our insurance needs for over ten years now and have been flawless in the handling of our ever changing insurance needs. Thanks to Lou DiStefano and his entire staff!"

Ed O. Canton, OH
"This 24 hour "office" is great. One more reason to be a part of the DiStefano family!"

Ann C. Canal Fulton, OH
"Wow, thinking about it I have been with you guys for 24 years now. A long time. And throughout the years I can't think of one issue you have not taken care to my complete satisfaction. So, thank you, and congratulations on your upgrade."

Ed S. Chagrin Falls, OH
"I was referred to Dave at DiStefano by a friend. I received such great service getting a quote and switching my insurance over that I referred a friend, who then switch to the DiStefano Agency for her insurance. I think that speaks for itself!"

Deborah C. Louisville, OH
"You certainly saved us money by analyzing our old policy and finding a new one that was added coverage and less costly. Thanks again and we will recommend you to our friends."

William G. Canal Fulton, OH
"We have been using Distephano insurance for home and auto since 2008 and it has been a great partnership. There has never really been any issues with claims or policy changes when needed."

James B. Canal Fulton, OH
"Since becoming clients of Distefano Insurance, they have been pros to be and saved us money. Kudos!!!"

Ann H. Columbus, OH
"A few years ago we changed policies on our home/auto. A technical glitch led to a need to resign the policy on a day I was working. Our agent met me on my mail route so I could sign the policy without missing work. Thanks!"

Robert K. North Lawrence, OH