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Covers your products, materials and equipment that are transported over land (truck or train), or while they're in a warehouse. If involved in a collision, mishandling or cargo theft, Inland Marine Insurance covers the transported goods.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Product Liability insurance covers your business if you need to recall one of your products. It covers your costs for retrieving the defective product from the manufacturer or seller to prevent any further bodily injury or property damage.
Business Owners Policy (BOP) protects you from business liability and property damage at a lower cost. BOP covers claims resulting from fire, theft & disasters. BOP also covers claims of bodily injury or property damage during your business operations.
Why do Mail Order Houses need insurance?
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.
What risks do Mail Order Houses face?
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:
How much does insurance for Mail Order Houses cost?
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: