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Business Insurance - Protect Your Buisness Fargo ND

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.

Anstadt David
(701) 234-9499
1121 Westrac Dr S
West Fargo, ND
 
Mjelstad Kevin A
(701) 232-7175
2601 12th Ave S
West Fargo, ND
 
Agcountry Farm Credit Services
(701) 282-9494
1900 44th St S
West Fargo, ND
 
Tri-County Insurance
(701) 277-1710
158 W Beaton Dr
West Fargo, ND
 
Nodak Mutual Insurance Co
(701) 356-1150
1150 Prairie Pkwy Ste 105
West Fargo, ND
 
American Income Life
(701) 277-4900
300 45th St S Ste 135
West Fargo, ND
 
Northwestern Mutl Fincl Netwrk
(701) 232-7175
2601 12th Ave S Ste B
West Fargo, ND
 
Fargo-Moorhead Insurance
(701) 271-8110
428 25th St
Fargo, ND
 
First International Bank & Trust
(701) 281-2700
1350 13th Ave E
West Fargo, ND
 
Nodak Mutual Insurance Co
(701) 852-4808
2001 6th St Se
Minot, ND
 

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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