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There are numerous amounts of insurance policies that smaller businesses need to have including workers compensation for your employees, health insurance, and even liability coverage for third parties.

In today’s society, however, there are other types of insurance that need to be considered.

Here are 5 additional types of insurance to consider keeping your business protected before it is too late.

1.  Business Interruption Coverage.  This will help if your business ever experiences a natural disaster such as a tornado or hurricane.  This type of coverage will help you pay your ongoing bills as well as wages to your staff until you can run your company properly or run it from a temporary location. 

2.  Employment Practices Liability Insurance.  Having this coverage can lower your risk of liability because the carrier likely will review your employment practices and make recommendations that can avoid problems.  It also provides an attorney in case of any action against you. 

3.  Errors and Omissions Coverage.  This type of insurance isn’t limited to professionals and protects you from simple things such as claims from clients that you failed to do something that your should have done.

4.  Personal Umbrella Policy.  Being a sole proprietor or a general partner it is well known that personal assets are at risk for debts in business.  Being protected comes in the form of personal umbrella policy and adds coverage to your existing homeowners and personal auto policies.

5.  Workers’ Compensation for Yourself.  This policy gives you added protection if you’re every injured on the job.

For any questions about any of these additional insurance policies feel free to give us a call toll free at 1-888-512-8878.




Source: Small Business Trends





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