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Business Insurance - Protect Your Buisness Fenton MO

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.

LPL Financial Services
(636) 200-4120
2997 Clarkson Rd
Chesterfield, VA
 
Nationair Insurance Pleasure & Business
(636) 532-0023
595 Bell Ave
Chesterfield, VA
 
American Family Insurance
(314) 770-1900
12131 Dorsett Rd
Maryland Heights, MO
 
American Family Insurance- Kari Leslie (Peterson)
(314) 205-2050
11705 Dorsett Rd
Maryland Heights, MO
 
Asset Archiving of St Louis
(636) 922-0221
79 Muirfield Hill Pl
Saint Charles, MO
 
Principal Financial Group
(636) 449-0760
14755 N Outer 40 Rd
Chesterfield, VA
 
Allstate Insurance Companies
(314) 738-0400
12131 Dorsett Rd Ste 216
Maryland Heights, MO
 
Pelt Byron
(314) 469-7575
12642 Dorsett Rd
Maryland Heights, MO
 
Egisure Insurance
(636) 946-6126
3551 Veterans Memorial Pkwy
Saint Charles, MO
 
Shelter Insurance
(636) 928-4999
4556 Parktowne Dr Ste 2
Saint Charles, MO
 

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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