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Business Insurance - Protect Your Buisness Billings MT

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.

Western States Insurance Agcy
(406) 656-9800
2180 Overland Ave Ste 102
Billings, MT
 
Farm Bureau Insurance
(406) 652-4844
2501 Saint Johns Ave Ste B
Billings, MT
 
Thrivent Financial For Lutherans
(406) 442-6091
3130 Saddle Dr
Helena, MT
 
Smith Walsh Clarke & Gregoire PLLP
(406) 727-4100
104 2nd St S Ste 400
Great Falls, MT
 
Flathead Insurance
(406) 752-8000
2330 US Highway 2 E
Kalispell, MT
 
Granite Insurance
(406) 839-2087
3209 Grand Ave
Billings, MT
 
Crawford Insurance Agency
(406) 259-9795
520 Wicks Lane St 9
Billings, MT
 
Farmers Agency Shaine Reece
(406) 752-9100
1358 Airport Rd
Kalispell, MT
 
Allstate Insurance Companies
(406) 257-8010
754 2 Avenue Wn
Kalispell, MT
 
Tarlow Stonecipher & Steele PLLC Attorney
(406) 586-9714
1705 W College St
Bozeman, MT
 

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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