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
A Business Owners Policy combines Commercial Property insurance and General Liability insurance in one convenient package. Perfect for small to mid-sized businesses as it saves you a lot of money compared to buying these insurance policies individually.
General Liability insurance will provide protection from a variety of claims including third-party property damage, third-party bodily injuries, advertising mistakes, libel, slander, personal injuries, and other related claims. The insurance will pay for the cost of defending your business including court fees and out-of-court settlements.
Workers Compensation covers the costs of the employee's on-the-job injuries and illnesses including the employee's lost wages and other related expenses. It is a state-mandated insurance that you must comply with if you meet the minimum requirements of the state.
If your business is sued by an employee for wrongful termination, harassment, discrimination, breach of contract, emotional distress, or other related claims, Employee Practices Liability Insurance will cover the cost of defending a claim, court fees, litigation, and judgments awarded by courts.
In this industry, businesses provide services such as bail bonding, social escorting, wedding planning, dating, hair removal, tanning, weaving, massage, and permanent makeup application.
Your personal services business needs insurance as it covers the costly expenses of lawsuits, medical expenses, property damage, and other risks. When a liability claim against your business happens, for example, the insurance will pay the cost of defending the claim including the litigation and judgments awarded by courts. You won't pay a single penny up to the limits you select; therefore, your business and even your personal assets are protected.
The type of business that you do poses a lot of risks. Below are some examples:
Your business faces a slander case because one of your employees got into a fight with one of your customers and said things that resulted in the lawsuit.
A customer trips on a loose wire in your office that you were about to fix. This causes your customer to suffer injuries. While you provided the medical payments, the customer isn't satisfied and files a slip and fall claim against your business.
An employee files a complaint that the salary you are giving them is not enough.
There is no fixed cost of insurance for personal services as it mostly depends on the size of your business, the coverage required, the number of employees, and many other factors. To know the cost of your insurance fast, simply apply for a free quote online or call our insurance experts directly.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
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