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Your business insurance coverage is designed to meet your needs
Global corporations get sued all the time. Sometimes, they’ll even just pay claims that aren’t their fault because it’s easier than fighting and they’ve got the cash to spare. Most small businesses can’t do that. And there’s where small business insurance come in. Accidents happen and, unlike a big corporation, a small business can’t just shift dollars between projects or subsidiaries. A single, large claim could stop a small business in its tracks, which makes reliable insurance for a small business critical.
On the other hand, your business doesn’t need as much coverage as a large corporation. Business insurance companies need to offer you the best small business insurance that will take care of you, at a price you can afford.
This can cover many of the accidents at work, including property damage, physical injury, and medical or legal fees. General liability business insurance also covers personal injury, which includes things like advertising harm and copyright violations.
A client comes to your office and slips on some spilled coffee, breaking a hip. They ask you to pay the medical bills.
General liability coverage is the most basic type of insurance that most businesses need. Unless you never see your clients face to face or handle any of their physical property, this insurance is important.
This insurance for business owners can cover accusations of professional mistakes, as opposed to unavoidable accidents. It often pays for work to be redone or for damage caused by faulty work.
You’re a contractor and your client claims you used the wrong insulation material, causing leaks in the roof. They want you to pay to replace their expensive carpet and to reinsulate their roof.
Professional liability insurance is especially important if you deal with expensive property (houses, cars, etc.), but can also cover you if you have technical difficulties and can’t complete a job.
If an employee gets hurt on the job, this type of insurance for business owners could cover their medical expenses and lost salary while protecting you, the employer, from being sued for negligence.
Your employee tells you a ladder they’re using is getting old. The following week, it breaks and your employee breaks a leg.
In many states, workers’ compensation is mandatory for any business with even one employee. However, some places have other requirements and some do not regulate it. Check local laws to find out.
Commercial auto insurance can pay for damage caused by or to your business vehicle in case of an accident or collision, whether or not it was your fault.
Your employee is delivering a product in your company van. They skid, crashing into another car. Your insurance could cover the damage to both vehicles.
If your vehicle is an inherent part of the work you do, then you need commercial auto insurance. It’s generally a legal requirement if you use your vehicle for business.