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.

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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.

Teaser Article Everything You Need To Know About Home Inspector Insurance 1301560496

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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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.

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Construction businesses and contractors face a wide variety of risks at job sites and beyond. An incident can be very costly if they don’t protect themselves with adequate business insurance.

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If you’re a transportation company owner or decision-maker, you surely do all you can to operate your business safely. However, companies like yours face many risks over which they have no control. Bad roads, inclement weather, and the people with whom your vehicles share the road probably come immediately to mind.

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Workers’ compensation insurance (also called workman’s comp and workers’ comp insurance) provides financial protection for employees who are injured, become ill, or die on the job. In doing so, it also protects businesses.

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Employees rely on the benefits you provide them—health insurance, for example. They need to know that the coverage will be there for them when they need it.