Protect Your Business
Why Do You Need Business Insurance?
money, fourth dimension, hard knead — you ‘ve poured a fortune into your occupation. Having the right coverage in stead is winder to financially protecting it from the unexpected .
Things To Consider:
What business are you in ?
Where are you located ?
How are you structured ?
Do you have employees ?
We’re Here To Help
Knowledge is exponent. We ’ ra here to help you gain confidence in your coverage .
Types of Businesses we Insure
This list is a drumhead of the types of businesses that are eligible for coverage today. We are always working to expand the types of businesses we can insure ; so, if there ‘s one you are looking for that is not here – flatten us an Email.
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Artisan Contractors: Cleaning Services, Electrical Work, Floor Installation and Repair, HVAC, Janitorial Services, Landscaping and Lawn Care, Painting, Window Cleaning, etc .
Auto Services: Auto Body and Paint, Engine Repair, Detailing, Glass Repair, Oil & Lube shops, etc .
Barbers and Beauticians : professional liability offered
Medical Offices: Acupuncturist, Chiropractor, Dentist, Podiatrist, Speech Therapist, etc. – Professional Liability excluded
Offices: Lawyers, Accounting Services, Financial Services, Realtors, Consultants, etc. – professional Liability excluded
Restaurants: Limited-Cooking, Fast-Food and Full-Service
Retail: Clothing Stores, Toys Stores, Specialty Food Stores, Furniture and Housewares, etc.
The Stuff Everyone Gets
Business Owner’s Policy (BOP)
No matter who you choose as an policy provider, you are going to want an insurance package that protects your business ’ place and protects you from indebtedness. many little businesses will qualify for a Business Owner ’ sulfur Policy ( BOP ) *, which is a combination of a General Liability policy, a Business Personal property policy, and – if you own any buildings – a build policy, plus a handful of extra useful coverages. It sounds like a fortune, but they ’ re all important, which is why they ’ re normally offered together. While the BOP was designed for certain types of business, don ’ t concern if yours doesn ’ deoxythymidine monophosphate qualify for one – you can placid get a great deal on a custom commercial package that ’ sulfur just correct for you .
*The sample shown here may not be the lapp as your imitate in all details. There may be state specific differences .
General Liability insurance, sometimes called commercial General Liability policy, protects your business from third gear party claims for price to person else ’ mho property, vitamin a well as bodily injury and any associate medical costs. It covers the refutation costs adenine well as any judgments for cover losses for which your clientele is held liable, astir to your policy limit. All of which is a fondness room of saying : you and your employees have coverage if you get sued for negligence, property damage, wound, or slander .
Business Personal Property
Business Personal Property indemnity provides protection for the property you own that is used in your business, tenant ’ s improvements like fixtures and installations you ’ ve made to a build that you occupy but don ’ deoxythymidine monophosphate own, and includes leased property that you have a duty to insure. Examples of business personal property include computers, laptops, printers, furniture and office supplies you own or lease. If your business sells goods or products, Business Personal Property may besides cover your armory held for sale. coverage is normally at substitute cost .
Additional Coverages Included in the BOP
The Stuff Everyone Can Get
This list of coverages will apply to most businesses, regardless of its industry. They come into play depending on how your business operates. For case, do you do any business on-line ? If so, check out the Electronic Commerce coverage. Do you have a adult, expensive sign out by the street ? You may want Outdoor Signs coverage. Read through the number and see if any use to your business .
Special Situations – You Have Employees
Employee-Related Optional Coverages
In addition to the BOP optional coverages that apply to most types of businesses, there are more optional coverages to consider if you have people working for you. These may apply to you depending on your diligence, how many employees you have, and the profit packages you offer your employees.
Special Situations – You Own Your Own Space
More options for building owners
If you own your own build or commercial condominium, this list of building-related coverages applies to you. In fact, if you have an great loanword on your property, your lender most likely requires you to carry at least some of these building-related coverages .
Professional Services and Other Unique Risks
These optional coverages apply to you if you provide professional services or advice, or are in a commercial enterprise faced with singular risks like the possibility of inventory spoilage or food contamination. Restaurants, produce stands, frosting cream parlors, and many other food service providers fall into that latter class of businesses .