All businesses need added protection. If you are a business owner that hasn’t obtained an insurance policy to cover your business, products, customers, and employees, you should consider calling a few business insurance companies to get quotes.
Most states have regulations that require businesses to have liability coverage and workers compensation coverage. This will cover accidents that are out of your control normally and will protect you from being at risk of losing your business.
Don’t rely on the fact that nothing has happened before. Don’t rely solely on the probability that the extra precautions you are taking will avoid problems and accidents. Even if you think you can’t afford insurance, it is a requirement. Contact a few business insurance companies who can provide solutions.
Business insurance companies are equipped with agents who specialize in preparing a variety of quotes for your business needs and for any situation. An agent has the flexibility to provide many quotes based on the amount of coverage you have, the number of active employees, deductibles, and a host of other factors. Don’t accept just one quote, talk to several company to get information before you make your buying decision. This way you can determine the best plan for you.
The types and the amounts of the coverage you will need depends on the type of business or service you are providing. Coverage amongst certain industry related businesses are primarily the same. For an example if you are an apartment complex owner, you will certainly want criminal insurance, liability insurance, coverage for faulty outdoor security systems, and the like. For natural disasters, or fires, you want your structure and premises to be covered.
You can rely on business insurance companies to customize a package for ample coverage you need.
They will work with you to get the premiums and coverage affordable for you so you can have protection.
There are many reputable business insurance companies for you to choose from, so be smart about selecting the right company to do business with. Your time is valuable, so quickly and effortlessly find business insurance quotes from top insurance carriers by making use of online insurance marketplaces that supply you with multiple quotes from leading insurance carriers.
www.business.com Understand general liability insurance for your small to medium-size business BIO: Tim Gaspar is the owner of Gaspar Insurance Services. TRANSCRIPT: Hello. My name is Tim Gaspar with Gaspar Insurance Services. We insure small and mid-sized businesses and handle their insurance needs. Today I am going to talk a little bit about general liability insurance, what exactly it is, and how much you need as a business owner. Having general liability insurance is the absolute basis of any insurance. I would say that if you could only afford to have one insurance, I think for most businesses general liability would be the insurance they would get. It is the absolute foundation to having your business insurance in place. Essentially, general liability insurance is the protection you have in the event you’re responsible, or your business is responsible for causing damage to a person or to property. And this can happen in a number of different ways. One of the most common is with a vehicle accident. Let’s say your company trucks gets into an accident. You hit somebody and damage their car, and let’s say they get injured. If they file a lawsuit against you, that’s covered under your general liability insurance. Along the same lines, let’s say you are manufacturing a product of some kind. Let’s say for instance that you are a pistachio distributor. If you distribute pistachios and the people that eat them end up getting sick, let’s say you get sued in a class action …
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