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Business Insurance - Protect Your Buisness Clovis NM

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.

George Gandy Insurance
(575) 762-1100
907 PO Box
Clovis, NM
 
Bryant Insurance Agency
(575) 762-5556
122 W 21st St
Clovis, NM
 
Clovis Insurance Center Inc
(575) 762-7731
1221 Mitchell St
Clovis, NM
 
Allstate Insurance Companies
(575) 762-8373
501 Commerce Way
Clovis, NM
 
Heisch Robin Insurance Agency
(505) 268-6634
1437 Wyoming Blvd NE
Albuquerque, NM
 
Farmers Insurance-Matlock Matt
(575) 769-3217
3217 N Prince St
Clovis, NM
 
State Farm Insurance Co
(575) 762-4747
2120 Ross St
Clovis, NM
 
Queener Law Firm PC
(575) 935-9400
1304 Pile St
Clovis, NM
 
Horace Mann Insurance
(575) 762-2627
2400 N Main St Ste 1
Clovis, NM
 
Mesilla Valley Insurance Group Inc
(575) 527-8800
545 S Melendres St Ste C
Las Cruces, NM
 

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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