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Accidents happen, and if one results in a lawsuit, the financial settlement could be problematic for your business. Damage to a third party’s belongings or causing injury to a third party isn’t something anyone plans for when they come to work in the morning, but accidents happen. That’s why having a general commercial liability policy is essential to financially protecting your business.
When most people think of insurance, they think about physical assets like their buildings and equipment. If a substantial loss occurs, like a fire burning down your building, it’s great that you have property insurance, but all that policy will cover is the cost of rebuilding your structure. What about all the income you lose because your business is now closed? Business interruption insurance protects your business from a significant financial loss.
Equipment Break Down
The loss of vital equipment could undoubtedly impact your ability to operate your business. This coverage was designed to protect your gear from losses typically excluded under a general equipment policy. Insured items could be anything from your most complicated piece of equipment to your phones (the lifelines of your day-to-day business operations).
This coverage is essential if your business stores sensitive client information, bank records, or other vital information on its computer systems. As a business owner, it’s necessary to be realistic about cybercrime risks. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation and make appropriate coverage recommendations.
Disability coverage replaces some of your income if you can’t work because of an injury or illness. The idea is to help you keep your standard of living the same until you can return to work. This monetary benefit will continue until the benefit period ends or you return to work.