BUSINESS INSURANCE & FORMATION SERVICES

Starting or growing a business takes courage, hard work, and big dreams. At Blue Haven Insurance Agency, we support entrepreneurs at every stage—from forming your business entity to protecting it with the right insurance coverage. Whether you're opening your first shop, launching a service business, or expanding your operations, we provide the guidance and protection you need to succeed.

General Liability Insurance
This is foundational coverage for almost any business. It protects you from claims related to:

• Bodily injury to customers or visitors
• Property damage to others' property
• Personal injury (libel, slander, copyright infringement)
• Advertising injury
• Legal defense costs and settlements

Whether you run a restaurant, retail shop, cleaning service, or consulting business, general liability coverage is essential protection.

Commercial Auto Insurance
If you use vehicles for business purposes—deliveries, client visits, transporting goods, or employee transportation—you need commercial auto insurance. Personal auto policies typically don't cover business use. We provide coverage for:

• Company-owned vehicles
• Employee-owned vehicles used for business
• Hired and non-owned auto liability
• Cargo and equipment coverage

Workers' Compensation Insurance
If you have employees, most states require workers' comp insurance. It provides coverage for:

• Medical expenses if an employee is injured at work
• Lost wages during recovery
• Rehabilitation costs
• Death benefits for dependents
• Legal protection for your business

Business Owner's Policy (BOP)
A BOP bundles general liability, commercial property, and business interruption coverage into one convenient, cost-effective package. It's ideal for small to medium-sized businesses like retail stores, restaurants, offices, and service providers.

We'll help you understand your requirements and get affordable coverage.

LLC Formation
A Limited Liability Company (LLC) is one of the most popular business structures because it protects your personal assets from business debts and lawsuits while offering tax flexibility. We'll help you:

• Choose the right business name and check availability
• File Articles of Organization with your state
• Obtain your Certificate of Formation
• Understand the benefits and requirements of LLC ownership
• Create an operating agreement (recommended)

EIN (Employer Identification Number)
Also called a Federal Tax ID, an EIN is required if you have employees, operate as a corporation or partnership, or file certain tax returns. It's also needed to open a business bank account. We'll help you:

• Apply for your EIN with the IRS
• Understand when you need an EIN vs. using your SSN
• Receive your EIN immediately upon approval
• Use your EIN to establish business credit

Business License and Permit Assistance
Depending on your industry and location, you may need various licenses and permits to operate legally. We can guide you through:

• Local business licenses
• Professional licenses
• Health permits (for food service)
• Sales tax permits
• Zoning and occupancy permits

DBA (Doing Business As) Registration
If you want to operate under a name different from your legal business name, you'll need to register a DBA (also called a fictitious name or trade name). We'll help you file correctly with your state or county.

Business Structure Consultation
Not sure whether to form an LLC, S-Corp, C-Corp, or sole proprietorship? We'll explain the pros and cons of each structure based on your industry, goals, liability concerns, and tax situation.

Complete Business Support
From formation to insurance, we offer everything you need to start and protect your business under one roof. No need to work with multiple companies or figure out complicated processes alone.

Multilingual Expertise
We serve business owners in English, Spanish, and Portuguese. Understanding legal and insurance terms in your own language makes all the difference when making important decisions.

Affordable Solutions
We understand that cash flow matters when you're building a business. We find competitive rates, identify discounts, and help you prioritize coverage based on your actual risks and budget.

Personalized Guidance
Every business is unique. We take time to understand your industry, your operations, your goals, and your concerns. Then we recommend formation strategies and coverage that fit your specific situation.

Local Knowledge
We understand local regulations, industry-specific requirements, and the real risks businesses face in our community. This helps us provide practical, relevant advice.

Ongoing Support
Your business will grow and change. We're here to adjust your coverage as you hire employees, expand locations, add services, or take on new risks. We're your long-term partner, not just a one-time service.

• Restaurants and food services
• Retail stores and shops
• Construction and contractors
• Cleaning services
• Landscaping and lawn care
• Hair salons and barbershops
• Auto repair and mechanics
• Transportation and delivery
• Consulting and professional services
• Childcare and education
• Healthcare providers
• And many more!

How much does it cost to form an LLC?
State filing fees typically range from $50 to $500 depending on where you're located. Our service fees are affordable and transparent. We'll explain all costs upfront with no surprises.

How long does it take to get an EIN?
If you apply online with our help, you can receive your EIN immediately upon application approval—often the same day.

What business insurance do I legally need?
Requirements vary by state and industry, but commonly required coverage includes workers' compensation (if you have employees) and commercial auto (if you use vehicles for business). We'll tell you exactly what's required for your situation.

Can I start with basic coverage and add more later?
Absolutely. We can start with essential coverage to meet legal requirements and protect your biggest risks, then add more coverage as your business grows and you have more resources.

Do I need business insurance if I work from home?
Yes. Your homeowners insurance typically doesn't cover business activities, equipment, or liability. Even home-based businesses need proper coverage.

What happens if I don't have the right business structure or insurance?
Operating without proper formation can expose your personal assets (home, car, savings) to business lawsuits and debts. Operating without insurance can bankrupt your business—and you personally—if something goes wrong. Proper setup and coverage is an investment in your future.

How much does it cost to form an LLC?
State filing fees typically range from $50 to $500 depending on where you're located. Our service fees are affordable and transparent. We'll explain all costs upfront with no surprises.

How long does it take to get an EIN?
If you apply online with our help, you can receive your EIN immediately upon application approval—often the same day.

What business insurance do I legally need?
Requirements vary by state and industry, but commonly required coverage includes workers' compensation (if you have employees) and commercial auto (if you use vehicles for business). We'll tell you exactly what's required for your situation.

Can I start with basic coverage and add more later?
Absolutely. We can start with essential coverage to meet legal requirements and protect your biggest risks, then add more coverage as your business grows and you have more resources.

Do I need business insurance if I work from home?
Yes. Your homeowners insurance typically doesn't cover business activities, equipment, or liability. Even home-based businesses need proper coverage.

What happens if I don't have the right business structure or insurance?
Operating without proper formation can expose your personal assets (home, car, savings) to business lawsuits and debts. Operating without insurance can bankrupt your business—and you personally—if something goes wrong. Proper setup and coverage is an investment in your future.