When you also have equipment or operate from an office
All Basic plan benefits and:
Get protected against employment-related issues
All Standard plan benefits and:
A highly recommended insurance, General Liability insurance can protect your business against a variety of claims including personal injury, advertising mistakes and property damage that could arise during your daily business operations.
If you don't know what type of insurance policies you need to carry for your business, Business Owners Policy (BOP) can help. This insurance combines the protection from various major property and liability risks under one package. This type of policy assembles all the basic coverage needed for your business so you don't have to.
Commercial Auto insurance is needed for any vehicles used for business purposes. Businesses have much higher liability issues; therefore the vehicles need insurance with better coverage and higher limits that personal auto insurance does not cover.
It is a good idea to carry Workers' Compensation, especially if your business meets the state-mandated minimum number of employees. This insurance protects your business from lawsuits resulting from workplace accidents. The insurance will provide medical care and compensation for lost income to employees who become hurt or ill at work.
This industry is made up of businesses that provide day-to-day business and organization support, excluding office administration, facilities support, employment services, business support, travel arrangement, and reservation services, security and investigation services, and convention organizing services.
Running a business comes with inherent risks. A natural disaster could destroy your property, an employee could become injured, or a client could file a lawsuit. For those and many other reasons, it is important that you protect your business assets. One way to do that is to have adequate business insurance.
Risks include external factors that are out of your control like natural disasters, lawsuits, or customers suffering injuries on your property. If your business relies on transportation, then collision, personal and bodily injury risks are also high. There are also internal risks including lawsuits from injured or disgruntled employees, high turnover rate, theft or customer lawsuits for poor customer service. If your business relies on the computer to process credit card transactions or store customer information, then cyber crime can hit at anytime.
The insurance for support services varies on the type of insurance you need for your business. The most common and highly recommended is General Liability insurance and it will cost around $500 annually. Health Insurance for your employees will cost around $300 in annual premiums. If you use a car for any business purposes, then you'll need Commercial Auto which costs around $400 annually.
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