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Business Insurance - Protect Your Buisness Fort Dodge 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.

Davis Insurance Agency Inc
(515) 274-3838
2815 Beaver Av Ste 200
Des Moines, IA
 
Insurance Associates A Truenorth Company
(319) 338-1135
44 Sturgis Corner Dr
Iowa City, IA
 
Espinoza Carolina Cpcu Chfc
(319) 337-7000
343 Scott Ct
Iowa City, IA
 
State Farm Insurance - Chad Burtch
(319) 351-1001
1929 Keokuk St
Iowa City, IA
 
Donaghy Kempton Insurors
(515) 288-8545
4000 6th Av
Des Moines, IA
 
Fuller Donald
(319) 378-6929
1921 51st St Ne Ste 4
Cedar Rapids, IA
 
Clymar Billy
(319) 362-1113
3419 Mount Vernon Rd Se
Cedar Rapids, IA
 
Allstate Insurance Companies
(319) 396-0710
408 Edgewood Rd Nw
Cedar Rapids, IA
 
State Farm
(515) 232-0030
101 Main St
Ames, IA
 
Modern Woodmen Of America
(563) 386-8600
583 E 53rd St
Davenport, 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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