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Business Insurance - Protect Your Buisness Des Moines 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.

Flesher & Associates
(515) 274-5500
1239 73rd St Ste H
Des Moines, IA
 
Ncp Investment Banking
(515) 244-8120
100 Market St
Des Moines, IA
 
Nalley James D CPA-ABV-CVA
(515) 282-8019
1707 High St
Des Moines, IA
 
Ligouri Insurance
(515) 285-0370
4320 1/2 Sw 9th St
Des Moines, IA
 
Israel Ken Insurance Agency
(515) 288-4250
3500 2nd Ave Ste 5a
Des Moines, IA
 
Anderson Insurance
(515) 274-4022
5741 University Ave
Des Moines, IA
 
Davis Insurance Agency Inc
(515) 274-3838
2815 Beaver Av Ste 200
Des Moines, IA
 
Donaghy Kempton Insurors
(515) 288-8545
4000 6th Av
Des Moines, IA
 
Pastorino Insurance Agency - Farmers Insurance
(515) 263-0099
1514 E Grand Ave, Ste B
Des Moines, IA
Alternate Phone Number
515-263-0099
Services
The Best Value For Your Insurance Dollar
Prices and/or Promotions
www.pastorinoinsurance.com

Kevin Olsen Insurance
(515) 253-0489
6000 Douglas Ave Ste 210
Des Moines, 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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