What Kind of 业务 大发888dafa Do I Need?
As a business owner, protecting your investment is a major concern. That starts with having the right kind of insurance that will keep you covered in the event of unexpected circumstances. Depending on the type of business you have, there are a number of insurance coverage options that may apply to you. If you’re working on a smaller scale, business insurance is just as important, 尤其是当你成长的时候.
即使你有一个有限责任公司, which offers limited protections, taking the additional step to acquire business insurance can be helpful when facing lawsuits and personal liability concerns. Understanding the four major types of insurance coverage will help you make a better decision about the right coverage for you:
一般责任
This will cover your business in the event someone gets hurt, 有任何财产损失, there are claims of slander against your business, 如果你需要律师的话, 和更多的. When considering general liability, there are additional add-ons you can attach to your policy to meet your specific needs.
财产
If you have any equipment or buildings, you will need property insurance to cover them in the event of a fire, 恶劣天气, 盗窃, 或其他意外事件. This is crucial if you have invested in large machinery, 拥有多个位置, or have data that could jeopardize the operations of your business if lost or damaged.
商业汽车
Do you drive your vehicle for work? Do you have any employees driving for the business that deliver or carry equipment or products? You’ll need commercial auto insurance to cover the vehicles and employees driving them. If your employees are driving their own cars, you should have a non-owned auto liability policy in place.
企业主政策
A business owner policy rolls a number of coverages into one, saving time and money. This type of policy usually includes property insurance, 责任大发888dafa, 车辆大发888dafa, 业务中断大发888dafa, and other types of coverage that are specific to your needs. This type of policy is usually more cost-effective than having a number of separate insurance policies.
工人的补偿
Although some states do not require business owners to carry it, worker’s compensation will cover any employees who are injured on the job. It helps provide wage replacement and positions you as an employer that cares about your employees. It also protects your business in the event of a lawsuit due to negligence.
职业责任
If you work in professional services, this is definitely a policy that would work in your favor. This type of insurance protects you against slander or disgruntled clients that feel they did not receive the service they deserved. This is also called errors and omissions insurance and is not covered under the general liability umbrella.
All of these types of policies are beneficial to business owners and will help protect their interests from top to bottom. Not having insurance in place could be detrimental, especially when you really need it. Speaking to an insurance professional can help you choose the right type of insurance for your business that will be cost-effective while protecting the interests of your company and employees.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, is not affiliated with the named 经纪自营商, 在州或证券交易委员会注册 投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
