If you own a business, you need to make sure you have the right type of insurance policy to cover unforeseen expenses and emergencies. This is particularly true during the holiday season. During this busy time of year, slip and fall injuries among workers and customers increase, which means you need to get extra coverage that protects your business from liability risks. If a person suffers a serious injury on your premises, you can be responsible for paying for all of their medical costs if you don’t have the right insurance policy for your business.
Commercial General Liability Insurance
This type of insurance policy will protect you from claims of bodily injury, property damage, or personal injury. So if a holiday shopper slips and falls, resulting in both injury and property damage, your commercial general liability insurance will pay for your losses. This type of insurance also covers employee dishonesty that harms the reputation of your company, such as slander and libel.
Professional Liability Insurance
Did you know your business can be sued if a customer believes you were negligent or made a serious mistake with the services you provide? Unfortunately, dissatisfied customers file lawsuits against business owners all the time, but with professional liability insurance, you don’t have to worry that an honest mistake will bring your entire company down.
Protect Your Business Equipment
Some business owners who work out of the home assume their homeowner’s or renter’s insurance policy will cover their business equipment if it gets damaged or stolen. Unfortunately, this usually isn’t the case, which is why you need a business owner policy if you use specialized equipment for your business operation. With the right business owner policy, you won’t have to stress if an important tool or machine is lost, stolen, or damaged.
Talk to a Professional Insurance Administrator Today
Our friendly team at Insurance Specialists, Inc. is here to answer your questions and explain all of your options. Speak to us today about your situation so we can understand your needs and find the right insurance policy for you.
Call (888) 451-0883 to get the assistance you need today! We are here to serve you!