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Jan 19, 2012 ... 1. General Liability Insurance: Every business, even if home-based, needs to have liability insurance. The policy provides both defense and ...
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Although small business differs widely from larger corporations, they share some important similarities, including the need for adequate insurance coverage. Small business insurance policies are usually less expensive than those larger companies, while offering more diverse types of coverage that fit their particular needs. This coverage is designed to protect the company –as well as its owners, staff, and clients – from the many risks inherent in running a small business. A good insurance agent will be able to help you find the right coverage for your business at a price you can afford.
Small business insurance policies need to cover several aspects in order to be fully effective. For example, having a general liability insurance is imperative. It protect the business from financial liability in case of injury or damages that occur on company grounds or as a result of company actions. Other types of insurance – such as product, special events, or professional liability insurance – are only necessary in certain circumstances. Disability and workers’ compensation insurance policies may be required by law for businesses that have employees.
In order to protect your business and your assets, investigate your options and work with your insurance agent to make sure that your business is fully covered by the right insurance.
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