The Hidden Risks Most Small Businesses Miss and How Insurance Can Help

Small businesses in Pennsylvania face plenty of challenges, but some of the most serious threats are the ones that aren’t immediately obvious. Jack L. Bonus Insurance Agency is here to help uncover these lesser-known exposures and offer business insurance that may provide meaningful support.

Overlooked Threats in Pennsylvania Small Businesses

While many business owners are familiar with issues like property damage or customer injuries, other exposures often go unnoticed. These include:

• Cyber incidents—Hackers often target smaller companies. One breach can lead to downtime, data loss and damage to your reputation.
• Internal theft or fraud—Dishonest actions by employees can occur in any workplace and may remain hidden for months.
• Technology or equipment failure—When essential systems break down, operations can stall and income may suffer.
• Interruptions to business activity—Events such as storms, power outages or blocked roads can halt operations and reduce revenue.
• Service errors—Accidental mistakes in your work can result in legal claims.
• HR-related legal issues—Claims involving discrimination or wrongful termination can arise, even in small teams.

Essential Coverage for Your Business

Our team works with Pennsylvania businesses to identify exposures and recommend solutions such as:

• Cyber liability insurance for digital threats
• Crime insurance to address employee dishonesty
• Equipment breakdown insurance for essential systems
• Business interruption insurance to offset lost income
• Errors and omissions insurance for service-related claims
• Employment practices liability insurance for HR concerns

Learn More

Our team at Jack L. Bonus Insurance Agency can help you explore hidden risks and strengthen your coverage. Contact us today to learn more.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.