Do I Really Need Business Insurance?


by Daniel McClain on Jul 28, 2014

Every business is different, but every small business needs to consider its insurance options. There are several different kinds of insurance you may want to invest in for your start-up. Here are a few of the most essential. 

Property Coverage

The first thing you’ll want to get is protection for your physical location, products, and tools. Property coverage will protect these things in cases of fire, equipment breakdowns, debris removal, and other accidents. Check your policy to see what yours includes.

Liability Coverage

There are three types of liability coverage your business can invest in – general, product, and professional liability coverage:

  • General coverage will provide the costs to your business in lawsuits or accidents, injuries, or claims of negligence.
  • Product coverage is most commonly used when the product you manufacture could become defective and cause harm.
  • Professional coverage comes in handy when you provide services that could result in lawsuits of errors and negligence.

Employee Related Coverage

Consult with a professional to find out if your small business would need workers compensation coverage to offer protection in case an employee is injured on the job.

Business Vehicles

Smiling business man in suit

If your business involves lots of driving, those vehicles should be covered by an insurance policy, just as your personal car is. There are business-specific auto insurance policies available that would benefit you in case of any incidents.

Keep your small business in business by protecting it with the right insurance. Call Insurance Center Associates to connect with one of our agents and get started today!

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