Owning a small business is an adventure and a challenge. As a small business owner, you must ensure that you are protected in instances of theft, damage, natural disasters and injury. If you are a business owner, it is essential that you have the following types of Business Insurance in Greensburg, PA.
General Liability
Every type of business, even those that are ran from your home should have liability insurance. This type of policy will provide coverage for defense and damages if your employees, your services or products or you cause or accused of causing any type of Property Damage or Bodily Injury to any third party.
Property
As a business owner, you should ensure your building and personal property with this type of insurance. This includes computers, office equipment, tools and inventory. With a property insurance policy you will be protected in instances of theft, vandalism, smoke damage, fire and other issues. This policy also offers the option for loss or interruption of business coverage, if you are unable to operate your business after one of these events.
Worker’s Compensation
This type of insurance coverage offers insurance if any employees are injured while working. It offers wage replacement as well as medical benefits for any person that is injured while employed by you. Additionally, when an employee accepts these benefits, they relinquish their right to sue you for the occurrence of the incident. If you have a business with employees, it is essential that you offer worker’s compensation insurance, as it protects you, as well as your business from the potential of legal complications.
Professional Liability
As a business owner, having Business Insurance in Greensburg, PA is crucial. This will protect you, and your business, from instances where you may suffer substantial financial consequences. If you are ready to purchase your policies,
Also known as Errors and Omissions Insurance, this insurance provides damage protection and defense in cases where there is failure to, or the improper rendering, of any professional services. The general liability policy that you have will not offer this type of protection, which is why it is crucial that you understand the difference between the two types of policies. call RFP and Associates today for more information.
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