As a business owner, you should be aware of a
number of insurance coverages. For example, most states require that you
provide coverage for on-the-job injuries to your employees. Or if your
business suffered the loss of an owner, partner, key stockholder or key
employee, you may incur a financial loss. Here are some Business
Insurance coverages you'll want to consider:
- Buildings -- including improvements you have
- Contents -- including personal property, stock and equipment.
- Crime -- including loss of money and securities; theft, burglary
and robbery; employee dishonesty; forgery and alterations.
- Equipment Breakdown -- including air conditioning, refrigeration,
electrical and mechanical equipment.
- Computers -- including hardware, software, media and reproduction
- Business Liability -- including premises, operations, products and
- Personal Injury -- including libel, slander, defamation of
character, wrongful eviction and invasion of privacy.
- Accounts Receivable -- including a debt owed to an enterprise,
arising out of the normal course of business dealings.
- Workers' Compensation -- including life and health insurance
coverage for employees while they are on the job.
- Loss of Earnings or Rents
- Valuable Papers
- Medical Payments
- Business Auto
- Umbrella Liability