Business Insurance

Most successful business owners understand the importance of business insurance. They know that an unforeseen disaster could result in ruining the business. Business insurance is one way to guard against several types of mishaps that could ruin your business.


How Does It Work

Many things can cause financial damage or loss for your business venture. Insurance coverage provides the following types of protection: protects self-employed business owners, protects against the financial loss associated with the injury or death of an employee, protects against expenses associated with lawsuits, and protects the business against disasters like theft, damage, and fire.

The type and size of your business help determine the type of coverage you need and the amount of your premium. In any case, there are some common incidents covered by even the most basic type of business insurance.

Property insurance provides coverage against physical damage to the building or property. Liability insurance protects your business against lawsuits and pays medical or legal expenses. Worker’s compensation pays weekly benefits to employees that become injured or disabled and cannot work.

You will also likely need to provide health insurance. You will pay part of the premium, and the employee will also pay a portion. Business interruption insurance will provide you with compensation in case income or profit is lost from a covered situation.

Business insurance is an extra expense, but it is worth the cost. It is an excellent way to keep your business going in case of a disaster.


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