Small Business, Big Vision — Let’s Protect It.

At Positive Paradigm Insurance Services, we believe small business owners are the heartbeat of our communities — dreamers, doers, and difference-makers. You’ve built something incredible. Now let’s make sure it’s secure.

Here are the must-have coverages every small business should consider:

General Liability Insurance

Protects you from accidents, injuries, or property damage claims — because one unexpected incident shouldn’t derail your dream.

Business Property Insurance

Covers your office, equipment, or inventory from fire, theft, or storms. Safeguard the space where your ideas thrive.

💻 Cyber Liability Insurance

Even small businesses are targets. This helps cover data breaches, restore systems, and rebuild trust fast.

📋 Professional Liability (Errors & Omissions)

If you provide advice or services, this shields you from costly “what if” moments.

👥 Workers’ Compensation

Take care of your team if someone gets hurt on the job — required in most states, smart everywhere.

Commercial Auto Insurance

Personal auto coverage doesn’t protect business use — keep every drive protected.

You’ve Planned the Perfect Day — Let’s Protect It.
Your wedding or special event is more than just a date on the calendar — it’s a celebration of love, joy, and unforgettable memories. But what happens if life throws a curveball?

At Positive Paradigm Insurance Services, we help protect your celebration from the unexpected, so you can focus on what really matters — love, laughter, and the moment you’ve been dreaming of.

Here’s what Wedding & Event Insurance can cover:

Cancellation or Postponement
If bad weather, illness, or venue issues force a change in plans, your investment is protected.

Lost or Damaged Attire
From custom gowns to tuxedos, your outfits are covered if damaged, stolen, or lost in transit.

Venue or Vendor Issues
If a vendor fails to show up or your venue suddenly closes, this coverage helps recover those costs.

Gifts and Personal Property
Protects against theft or damage to wedding gifts and other valuables.

Liability Coverage
Accidents happen — if a guest gets injured or property is damaged, liability insurance has you covered.

Liquor Liability
If you’re serving alcohol, this protects you from potential alcohol-related claims.iption text goes here

Running a Business From Home? Let’s Make Sure It’s Protected.
Your home-based business may be small in square footage — but it’s BIG in purpose, passion, and potential. Don’t let hidden risks sneak up on you.

At Positive Paradigm Insurance Services, we help entrepreneurs safeguard what they’re building — whether you're crafting, consulting, coaching, baking, designing, creating content, or anything in between.

Here’s what many home-based business owners don’t realize they need:

Business Property Coverage
Your homeowners policy doesn’t automatically cover business equipment, inventory, or supplies. If they’re stolen, lost, or damaged — you could be on your own.

General Liability Insurance
If a client, delivery driver, or vendor visits your home and gets injured, you could be held responsible. Liability coverage steps in to protect you.

Cyber Liability Insurance
If you take payments, store client data, or run your business online (which is basically everyone!), you need protection from hacks, phishing, and data breaches.

Professional Liability (E&O)
If you provide advice or services, this protects you from claims of mistakes, missteps, or unmet expectations.

Business Auto Coverage
If you use your car for deliveries, client meetings, or travel — your personal auto policy likely won’t cover you.

Home Business Endorsements
Some carriers offer affordable add-ons that can give you the right protection without breaking your budget.scription text goes here