Small Business Articles

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If you own a small business where vehicles are used to make deliveries, travel to meetings or work sites, run errands, etc., you’ve probably wondered, “Do I need commercial car insurance?” That’s an important question to ask, since even minor accidents can produce major financial burdens if they aren’t covered by insurance.

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Being a certified public accountant (CPA) and operating an accounting business isn’t easy. The work can be stressful, and like all business owners, you face many types of business risks. These risks cover the spectrum from office damage to liability lawsuits. That’s why you need CPA insurance.

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Many of the companies started every year take the form of a limited liability company or LLC. Registering as an LLC provides a certain amount of separation between your business assets and your personal assets.

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A business owners policy (or BOP) and a general liability policy have many things in common. For example, they both provide protection from financial liability for many types of incidents. This includes accidental damage to customer property and injury to non-employees on the policyholder’s property.

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A business owners policy or BOP (also called property & liability insurance) conveniently combines general liability insurance and commercial property insurance.

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A Certificate of Liability Insurance (sometimes simply called a Certificate of Insurance or COI) is a physical or electronic document that proves you have insurance. The COI includes important details about your policy that you, a client, a landlord or someone else might require.

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Professional liability insurance is coverage for individuals and organizations that provide professional advice or services in the event that a client alleges a mistake or oversight was made. Also called errors and omissions insurance (or E&O for short), it’s critically important if your business is focused on providing expertise.

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It’s crucial that companies have the right insurance for small business. Just as importantly, when incidents occur and insurance claims are made, insurance claims payouts should happen quickly and efficiently.

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Workers’ compensation insurance is a type of insurance that is generally required by state law for any company that has employees, and in some states, for those who use independent contractors. It provides financial protection for workers who are injured or become ill on the job. It also protects businesses from the high cost of workplace injuries.