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Business Insurance - Protect Your Buisness Jefferson City 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.

Kevin Adam
2415 Carter Lane
Columbia, MO
Company
Title: MBA
Company: Forward Financial, LLC
Type
Investment Advisor Rep: Yes
Education
University of Kansas/Economics
University of Missouri/MBA
Years Experience
Years Experience: 17
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial

Data Provided by:
Thaxton Insurance Group
(803) 733-1621
1330 Lady St Ste 207
Columbia, MO
 
Midwest Insurance
(417) 782-1100
1823 E 20th St
Joplin, MO
 
Hammons Insurance Agency
(417) 624-7728
1401 E 7th St
Joplin, MO
 
Reese Jessie T Inc
(803) 799-9206
2014 Assembly St
Columbia, MO
 
Dewitt Insurance
(636) 447-1862
1370 Triad Center Dr
Saint Charles, MO
 
Shelter Insurance
(636) 928-4999
4556 Parktowne Dr Ste 2
Saint Charles, MO
 
Chase Scott
(417) 588-1555
PO Box 1178
Lebanon, MO
 
Egisure Insurance
(636) 946-6126
3551 Veterans Memorial Pkwy
Saint Charles, MO
 
American Family Insurance
(314) 770-1900
12131 Dorsett Rd
Maryland Heights, MO
 
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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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