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How To Insure Your Small Business

How To Insure Your Small Business

Small businesses have unique needs and it is important to work with an agent who understands your needs. When it comes to reducing your liability risks as a small business owner, you must secure the right business insurance policy.

Small Business Insurance Needs

Commercial General Liability: Covers third party liability claims, namely claims against you from a customer or visitor on your premises, or from someone who may be injured by your business activity or product.

Commercial Business Property Insurance: Insures your building and contents both on and off your premises.

Business Interruption Insurance: Provides protection from loss of income and extra expense if your business suffered a loss and you were unable to operate for a period of time.

Employee Dishonesty Coverage: Protects your company from financial loss resulting from employee theft of money, securities, or property.

Workers Compensation: Provides compensation for your employees for medical care in the event they are injured on the job; including medical benefits, income benefits, death benefits, and rehabilitation benefits.

Business Auto Insurance: Provides insurance coverage for your company’s cars, trucks, trailers, vans, or other vehicles.

Professional Liability: Covers you for the failure to perform professional services. If you design something or perform work which does not meet standards or expectations, you could be sued for the cost of the contract, damages, or lost business revenues by your customer.