Small Business Articles

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If you use cars, pickup trucks, or other vehicles in the course of doing business, you need commercial car insurance. Having proper coverage can keep you from having to pay for bodily injury liability, property damage liability, medical expenses, damage to your own vehicle, and other expenses out of pocket.

Article Photographer Insurance 827516692

If you run a photography company, you understand that your business faces a wide variety of challenges and risks. From storms or accidents that damage expensive cameras and lighting equipment to clients who trip and injure themselves in your studio and sue you, it’s easy to find yourself with a large financial burden.

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As a cosmetology business owner, you’re focused on providing excellent service to your clients. But at the same time, you have to address “big picture” issues, like protecting your business financially with insurance.

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As a home inspector, you face multiple types of risk in your work. For example, you evaluate countless characteristics of homes in every assignment. No matter how good you are at your job, you’re almost guaranteed to miss something or make an inaccurate assessment at some point in your career—and any mistake can result in a lawsuit.

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General liability insurance protects businesses from liability risks they face every day. If a customer or client, vendor, business partner, or anyone outside the company sues the business for costs associated with bodily injury or property damage, general liability can provide financial protection. That includes covering legal fees and settlements as outlined in the policy and up to the policy’s limit.

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The different types of commercial insurance that biBERK offers provide broad coverage. However, you can get additional coverage by including what are called endorsements. These add-ons typically enhance the base coverage in some way. And whether you ultimately choose to purchase them or not, it’s important to understand the protection they offer.

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Commercial insurance, sometimes called business insurance, provides crucial financial protection for businesses. Liability insurance—one form of commercial insurance—is particularly important because any company can be sued by a customer or someone else who claims that the business caused some type of damage that affects them—physical injury, property damage, or financial harm.

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Small businesses that have purchased insurance policies like workers’ compensation, general liability, and professional liability (also called errors & omissions or E&O) from biBERK will sometimes ask, “Do I need a commercial umbrella insurance policy?”

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Workmen’s comp insurance helps your employees by covering costs associated with work-related injuries, illnesses, and fatalities. This includes medical expenses and lost wages. If a worker dies as a result of an on-the-job incident, this type of insurance can provide what’s called a death benefit to their surviving family members.