Do Different Kinds of Businesses Need Different Business Insurances?

You may have wondered whether the insurance an interior designer needs is the same as architect’s insurance, or if a doctor’s insurance needs are the same the same as a veterinarian’s.

It is essential for every business to have at least one liability policy, because a liability policy will cover injuries caused to a third party.

Depending on the business, the size, the assets, and corporate structure will determine the types of liability policy for that business.

A physician will carry malpractice insurance like an interior decorator or an architect, though the limits may well be different. The architect and interior decorator may carry errors and omissions insurance while the doctor office may not.  
 
Each business should carry a property and casualty policy to insure for losses against real or personal property. It makes sense to look at a business owner’s policy.

In every situation, a business owner, whether a medical professional, an an architect, or a janitorial service, should examine everything that is of value and put together your insurance quotes based on that information.

Naturally, you will want to consult a licensed insurance professional, and you would probably do well to seek input and guidance from your accountant, banker, trade association, and anyone else who has an understanding of your industry.

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