Your Trusted Insurance Partner in Swansea, IL and Surrounding Areas

Small Business Insurance

Small Business Insurance

Protect What You’ve Built with Customized Commercial Coverage

Running a business comes with risks—and protecting your livelihood requires thoughtful insurance planning. At Wottowa Insurance Agency, we provide tailored small business insurance solutions to entrepreneurs and companies in Belleville, Swansea, Fairview Heights, O’Fallon, and the surrounding communities.



Whether you’re a new startup or an established operation, having the right insurance coverage ensures you can weather unexpected challenges while continuing to serve your customers.

Why Small Business Insurance Matters

Commercial insurance is essential for shielding your company’s assets, property, and income from potential losses. A standard Business Owner’s Policy (BOP) typically includes three foundational types of protection:

  • Property Insurance
  • General Liability Insurance
  • Business Interruption Coverage


These components can be customized and expanded to align with your unique risks and operational needs.

General Liability Insurance

This vital coverage helps protect your business if a customer, vendor, or visitor is injured on your premises or due to your operations. It may cover:

  • Medical costs
  • Legal fees
  • Settlements or judgments


Important: Each policy includes a coverage limit. If damages exceed your policy’s limit, you are responsible for the remaining costs. Ask our team about adding an umbrella policy for extended protection.

Business Property Insurance

Whether you own your building or rent space, business property insurance helps safeguard:

  • The structure (if applicable)
  • Office equipment
  • Inventory
  • Tools and furniture


Coverage extends to specific risks like theft, vandalism, fire, or weather-related damage (check your policy for exact inclusions). You can select limits and deductibles that reflect the value of your assets and replacement costs.

Business Interruption Insurance

If a covered event temporarily forces your business to close or relocate,  business interruption insurance  helps with:

  • Lost income replacement
  • Relocation or rental costs
  • Ongoing expenses like payroll or utilities


This type of coverage helps keep your business afloat while you recover from the unexpected. Let us help you safeguard your business assets with confidence.  Contact Wottowa Insurance Agency  at (618) 233-2882 to speak with an agent or request a  free commercial insurance quote.