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 combines the two main lines of insurance that most small to mid-sized businesses need with some added miscellaneous coverage. It combines General Liability and Commercial Property insurance into one package and is offered at a reduced premium, making it a better alternative than buying each policy separately.
Workers' Compensation will provide employees with medical and hospitalization fees if they become ill or injured on the job. It also pays for rehabilitation benefits and the employee's lost wages. The insurance then relinquishes the employee's rights to sue you for employer negligence.
Inland Marine insurance covers the property in transit over land. All movable property and tools or equipment used for transportation, as well as other related specialized property, will be covered during transportation and can be repaired or replaced in the occurrence of any damage or accident.
Product Liability insurance protects your mail-order house against claims of personal injury or property damage from the product distributed by your business. It is designed to protect your business by paying for the attorney fees and court costs, so you don't have to pay out of pocket.
Workers in this industry use catalogs, home shopping television, mail-order books and computer software to retail their products or goods.
Your mail order house needs insurance to protect your business from various risks and, more importantly, liability lawsuits. Liability lawsuits can be quite costly, even if you are not found liable for the damages. Your insurance will protect your business assets by paying all expenses related to the lawsuit including attorney fees, court costs and more.
The risks for mail order house can be huge because of the many various exposures that are involved with your business. Below are some of the examples:
The cost of insurance for mail order houses will mostly depend on the size of your business, the number of employees you have and the coverage required. Without taking these into account, below is a list of average costs of insurance for your business:
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