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Klamath Insurance Center, Inc Blog

What Are The Types Of Business Insurance You Need?

8/12/2019

1 Comment

 
Picture
​The moment you become a business owner, you are exposing yourself to all sorts of risks. A single calamity or a lawsuit could destroy all that you have worked so hard to put up. This is why it is important to have the right insurance to aid you in times of need. 

The good news is, there are several types of insurance that can help protect your business against certain risks. These include:
Product Liability Insurance
This one is essential if you manufacture products for the public. You can never tell when you will be facing a lawsuit because of the products you are offering. You can customize the coverage for your product liability depending on your products for sale. 

Professional Liability Insurance
This insurance is also called E&O (errors and omissions) insurance. It can protect your business from claims such as negligence. Know that professional liability is not a one-size-fits-all type of insurance. Your policy will be customized according to your business needs. 

Vehicle Insurance
If your business is using company vehicles, then you need to ensure them as a way to protect your business from liability claims. You may purchase comprehensive insurance to protect your vehicle in the event of an accident. If your employees are driving their own vehicles for delivering goods or giving services for a fee, or you are employing delivery personnel, you also need to cover them in your vehicle insurance. 

Workers’ Compensation Insurance
You need workers’ compensation insurance as soon as you hire your first employee. Regardless if your employees are doing low-risk tasks, they could acquire some medical conditions or get injured at the job site. These could be enough to lead you to a costly claim.

Home-Based Businesses
Your homeowner’s insurance will not cover your business at home. If you are running a home-based business, buy additional coverage to protect your inventory and equipment in case there is a problem. 

Property Insurance
It is important both in owning or leasing a space. Property insurance covers your furniture, inventory, signage, and equipment in case of theft, storm, or fire. But, earthquakes and floods are not included in this policy.

Conclusion
There are many ways to protect your business by buying the right insurance. 

At Klamath Insurance Center, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (541) 882-5555. Get your free quote today by CLICKING HERE.
1 Comment
Affordable Life Insurance link
12/27/2019 12:02:20 am

Great useful post. People start their own small business is to provide a better lifestyle for their family and employees and business insurance is playing important role in it.

Reply



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