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Business Insurance - Protect Your Buisness Ames IA

Lets start first with the home business scenario. With a home business, one of the biggest issues is to protect your home business equipment. Often, this will mean insurance on your technology (computers or other equipment) and business assets (like your fax machine). If you run your business from home, you may think these items are covered. However, a standard home insurance policy will not always give you enough protection for expensive assets like computer equipment or specialized machinery.

Alliance General Insurance
(515) 232-9271
319 Lincoln Way
Ames, IA
 
Dolan Michael
(515) 232-3555
311 Lincoln Way Ste 2
Ames, IA
 
Principal Financial Group
(515) 232-0127
414 S 17th St
Ames, IA
 
Thrivent Financial For Lutherans
(515) 292-7077
315 6th St Ste 100
Ames, IA
 
Langeland John Insurance
(515) 232-6001
1416 Buckeye Ave
Ames, IA
 
LWBJ Financial
(515) 233-1975
1530 S Duff Ave Ste 2
Ames, IA
 
Baldwin Marci
(515) 232-0771
516 Lincoln Way
Ames, IA
 
State Farm Insurance
(515) 232-8090
2701 Stange Rd Ste 110
Ames, IA
 
State Farm
(515) 232-0030
101 Main St
Ames, IA
 
American Family Insurance
(515) 232-3333
2713 Stange Rd
Ames, IA
 

Business Insurance - Protect Your Buisness

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Business Insurance

If you have your own business, you should be thinking about business insurance. It's not just for a big business - it can be for your home business.

With business insurance, your concerns are really three-fold:

  • Protect your business assets against damage or theft.
  • Protect yourself against liability claims from your clientele.
  • Protect yourself from employees (if you have any) who may have a legitimate claim for at work injury against you.

Lets start first with the home business scenario. With a home business, one of the biggest issues is to protect your home business equipment. Often, this will mean insurance on your technology (computers or other equipment) and business assets (like your fax machine). If you run your business from home, you may think these items are covered. However, a standard home insurance policy will not always give you enough protection for expensive assets like computer equipment or specialized machinery.

The answer can be a homeowner's endorsement for your equipment. This allows you to simply add to your existing homeowners policy, rather than having to negotiate a completely new policy specifically for your business do not remove. Be sure to check the details if you take this approach. You'll want to be sure that your business is covered properly, even if you are taking advantage of your homeowners policy.

The biggest challenge is if you also require liability protection for your home business. Most homeowner policy endorsements to cover your equipment will not give you liability insurance protection. If you are providing a service to clients, liability insurance can be essential. A client could sue you if a project goes wrong. If you are selling a product, a client could sue for damage caused by the product. Liability insurance will protect your personal assets in both these cases.

What if you have employees? Again, an endorsement to a homeowners policy is not a possibility. Once you need busines...

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