Small Business Insurance Plans

Insuring your small business is a must to protect the assets of both the business and the owner. Any business will be exposed to a variety of risks. Two major areas of coverage needed are property and liability. Both of these types of coverage and more are available as separate policies or combined in a business owner’s policy.

Business property insurance will cover buildings and contents, and some equipment. Inventory and office furnishing for example will be covered. This coverage will cover for damage from accidents, thefts or fire. It’s important to note that certain property damage from natural disasters like flooding, hurricanes or earthquakes may need separate insurance. It is important to work with your licensed insurance professional to determine what coverage is included and what risk may still exist.

General liability insurance protects the business against a lawsuit for personal injury or property damage. It will cover the cost of the lawsuit as well as damages. No matter how much care is taken, a client can perceive your company did them wrong. One lawsuit and award of damages can financially ruin any size business.

Talk to your insurance professional about combining these insurances if possible into a business owner’s policy, or BOP. In addition, other coverage such as business interruption or crime insurance may be added.

It’s important to understand that professional liability, or errors and omissions insurance is not included. Talk to your licensed insurance professional to determine if you need E & O insurance. Understand what is covered in your business insurance and what is not. Ask specifically for the inclusions and exclusions of your small business insurance. Together, determine the most affordable and comprehensive insurance package for your business.

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Workers' Comp
General Liability
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More..