General Business Insurance

Proper general business insurance is necessary and important to your business.

Starting a business is an exciting and very busy time. There is so much to do to get ready for the big day when you open your business. Often, entrepreneurs make the mistake of believing it’s just another expense and spend no time considering coverage and options.

That can be a costly mistake down the road for your business.

Your general business insurance should be unique to your business. There is no cookie cutter policy which covers every business exactly the same. In fact, just the opposite is true. Designing the proper business insurance coverage takes both time and effort long before that opening day.

No matter what your business, there are some basics to consider. Work with your licensed insurance professional along the way to determine how these will be designed and implemented to best protect your business. The basic coverage needed by any business will be general liability insurance, property insurance, and if you have employees, workers compensation. Automobile insurance falls under the property insurance label, but is often a separate policy.

General liability insurance protects you and your employees from legal and medical costs associated with claims that your business or its workers caused bodily injury or property damage. Some businesses also warrant professional liability insurance which is also known as E & O insurance. Professions like realtors, architects, attorneys are just a few.

Property insurance will protect the assets of the business including building and equipment. Business automobile or fleet insurance is generally needed as part of your property coverage.

Workers compensation insurance is required in almost every scenario when you hire your first employee. This protects both the employee and employer and should be reviewed with your licensed insurance professional.

Don’t risk the assets and reputation of your business by not taking your general business insurance as important as your marketing campaign. It is a necessary and important piece of any business planning and structure.

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