Small Business Insurance: Basic Coverage

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    Any business owner knows that opening a business is not easy even for those who have years of experience in the field. Regardless of whether you have a big or small business, there are always many challenges on the way to success. Being in the field, your business is also exposed to a number of risks such as accidents, lawsuits, illnesses and much more. Therefore, to make sure your business is protected you need to start with some basic business coverages. For example:

    A Business Owner Policy or BOP

    An insurance package that includes the basic coverages required by a business owner in one bundle. It is usually purchased either by small or mid-sized businesses to be protected from unexpected financial losses and other risks. Businessowners Policy provides a coverage of Property Insurance, Business Interruption Insurance, Liability protection and much more.

    General Liability Insurance

    Protects your business in case of property damage or physical injury caused by business operations. Also known as Commercial General Liability Insurance General Liability Insurance coverage usually includes:
    Property Damage or Bodily Injury, Medical Payments and Personal & Advertising Injury.

    Commercial Auto Insurance

    Protects your Business vehicles from physical damage, natural disasters and other unexpected events that may occur on the road. Similar to personal Auto Insurance, Commercial Auto insurance includes a coverage of liability, collision, comprehensive, medical payments (or personal injury protection) and uninsured motorist coverage.

    Workers’ Comp Insurance

    Is mandatory for most businesses. It protects you and your workers from injuries and illnesses resulted while being in the workplace. The policy includes payment for medical treatment, replacement income, compensation for any permanent injuries, temporary and permanent disability and death benefits.

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