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:
*plus Workers Compensation
Business Owners Policy (BOP) combines the protection of Commercial Property and General Liability insurance in one convenient package. Perfect for small to mid-sized businesses, the insurance will cover the cost of third-party property damage, property damage, legal responsibility for injury caused to your clients and other related risks.
Workers' Compensation pays for the hospital and medical expenses necessary to diagnose and treat employees from the illnesses and injuries they have suffered on the job. It also covers disability payments while employees are unable to work. This saves you and your employee from the expensive and lengthy court trials for employer negligence.
Issues of forgery, securities theft, burglary, robbery or other related risks are not covered by Commercial Property Insurance and need Crime Insurance. It will reimburse your business from the theft of cash, checks and covers the loss if you or your employees are ever robbed while working in and outside your premises and other related risks.
Product Liability insurance protects home centers against claims of property damage or personal injury caused by the products sold or supplied by your business. It is designed to protect your business by making sure that when a covered risk happens, you won’t pay for the attorney fees and court costs.
This industry consists of establishments that are involved in retailing home repair and home improvement supplies. Examples include electrical, gardening, and plumbing tools.
Home centers need insurance because they welcome many customers and offer plenty of products and services to them. This means that home centers are prone to many liabilities and risk. These risks can cause your business a lot of money that could potentially destroy your business and personal assets. Insurance will make sure that such a case won’t happen by paying for the covered risks first until it has reached its limits. And all you have to do is to pay a small monthly fee to get your business protected.
Home centers are prone to a lot of risks, below are some of the examples:
The insurance for home centers depends on the size of your business, the number of employees you have and the coverage needed. Without taking these into account, below is the average cost of insurance policies for home centers:
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