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:
Business Owners Policy (BOP) combines protection against property and liability risks under one package. It provides all the basic coverage that your business might need and more. Combining these at once means that you'll be spending less than the total cost of individual coverage.
General Liability provides business coverage for personal injury, bodily injury and property damage that occur during your business operations. It is a comprehensive insurance policy that everything your business needs, but it does not cover every risk that your business may face.
Workers' Compensation is mandatory by the state and will provide medical benefits, rehabilitation benefits and wage replacement to employees who are sick or injured while on the job. The employee then gives up the right to sue for negligence. With Workers' Compensation, your business and your employees will avoid the hassles of legal fees needed to process a trial.
Commercial Auto insurance will help pay for the physical damage to the vehicle that you drive for business. It can also pay for repairs if it has been damaged by weather events, theft or collision. It also pays for your lawsuit when involved in an accident, covering any medical or property damages if an accident is the fault of your company's driver.
Companies who work in this industry are involved in business interests promotion. Employees conduct research, publish and distribute newsletters and periodicals, and develop marketing strategies to help members. Examples of this industry include agricultural organizations (except youth farming organizations and farm granges), real estate boards, chambers of commerce, trade associations, and manufacturer's associations.
Running a business comes with plenty of risks. Your employees could be injured on the job, a thief could break into your business property, your client could file for breach of contract. For these reasons, it is essential to protect your business assets. One of the best ways to do that is to get insurance.
Your employees could be injured on the job and you'll be responsible for the medical costs that occur. If things get worse, your employee could file a negligent claim. While driving on the way to your client, you are involved in an accident for which you are at fault. You will be responsible for vehicle repairs and medical expenses to the other party. These are just some of the many risks that a business association can face.
The cost of the insurance varies on the type of business you are running, the services offered, number of employees and other information. To give you an idea:
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