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Business Insurance Services

Secure Your Business with Protection That Works as Hard as You Do

At Hanford Insurance, we understand that protecting your business is essential for growth and peace of mind. Our range of business insurance solutions—including general liability, workers' compensation, property insurance, and liquor liability coverage—ensures you have the right safeguards in place. From covering your physical assets to shielding you against potential liabilities, our team is here to customize a plan that fits your business’s unique needs. With our support, you can focus on running your business confidently, knowing you're prepared for whatever comes your way.

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General Liability

General Liability insurance protects your business from the unexpected, covering costs related to third-party bodily injury, property damage, and legal expenses.

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Workers Comp

Workers' Compensation insurance provides vital support for your employees in case of work-related injuries or illnesses.

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Property

Business Property insurance protects the physical assets that keep your business running, including buildings, equipment, inventory, and furniture.

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Cyber

In today’s digital world, cyber threats like data breaches, ransomware, and phishing attacks can put your business at serious risk.

Meet your business insurance Team

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Brad Toone

Business & Benefits Insurance
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Kelly Storm

Business Insurance
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Korrin Daubman

Business Insurance
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Jenna Rushing

Business Insurance
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Michelle Perkins

Personal & Business Insurance
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Bart Dirks

Farm & Business Insurance
Meet the Entire Team

The Hanford Difference

OPEN COMMUNICATION

We believe in straightforward conversations that keep you informed and empowered. Our team is here to answer questions and explain your options clearly, so you always feel confident in your coverage.

Relationships Built on Trust


At Hanford, you're more than just a policy number. We take the time to get to know you and understand your needs, building a personal connection that ensures you're genuinely cared for.

Value-Driven Options


With access to multiple providers, we work to find you the best coverage at the most competitive rates. Our goal is to secure top-notch protection that balances quality and affordability.

Rooted in community

As a small town company, we’re invested in making our community safer and stronger. Our service goes beyond insurance, reflecting a shared commitment to support and uplift the neighborhoods we call home.

Support When You Need It Most

Hanford Insurance is dedicated to keeping your business protected and thriving, no matter what challenges come your way. With our comprehensive suite of business insurance services—including general liability, property, workers’ compensation, and liquor liability coverage—we address the specific risks your business faces every day. Our experienced agents work closely with you to customize a plan that fits your unique needs, ensuring that every angle is covered. By safeguarding your assets, employees, and operations, Hanford helps you focus on growth, knowing that if the unexpected happens, we’ll be there to help keep your business moving forward.

Business insurance FAQS

Generally, you are not required to provide Workers’ Compensation insurance for 1099 independent contractors, as they are not classified as employees. However, the rules vary by state, and misclassification can lead to penalties if a worker is considered an employee under the law.

Business Personal Property (BPP) refers to movable property owned by a business that is not permanently attached to a building or structure. This includes items like furniture, office equipment, computers, inventory, tools, and machinery used in daily operations. BPP is typically covered under a commercial property insurance policy, protecting against risks like fire, theft, or vandalism. If your business owns physical assets, having BPP coverage ensures you can repair or replace them if they’re damaged or lost.

If you have a 1% deductible, the amount you pay out of pocket in the event of a claim is 1% of the insured value of your property, not the total claim amount. For example, if your home is insured for $300,000 and you have a 1% deductible, your deductible would be $3,000. This means you would pay $3,000 before your insurance covers the rest of the covered loss.

Umbrella Insurance and Excess Insurance both provide additional liability coverage, but they function differently: Umbrella Insurance extends liability coverage beyond the limits of your existing policies (like auto, home, or business liability) and may also cover risks not included in your primary policy. It provides broader protection and can fill in coverage gaps. Excess Insurance strictly increases the limits of an existing liability policy but does not expand coverage to new risks. It simply provides additional funds once the underlying policy’s limits are exhausted.

Yes, cyber liability insurance typically covers the costs associated with a data breach or cyber attack, such as when your business gets hacked.

Under workers' compensation, employees are typically covered based on their role and the associated risks they face while working. Here's how different roles might be covered: Full-Time Employees: They are covered for work-related injuries or illnesses regardless of fault. This includes medical expenses, lost wages, rehabilitation costs, and disability benefits, depending on the severity of the injury.