Articles Editor's Blog Reader Mail

Business Insurance - Protect Your Buisness Meridian ID

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.

American Family Insurance
(208) 884-5247
1551 W Cherry Ln
Meridian, MS
 
State Farm Insurance Companies
(208) 887-7666
540 W Cherry Ln
Meridian, MS
 
Kuck David M
(208) 288-2113
850 E Franklin Rd
Meridian, MS
 
Wilson Insurance Agency
(208) 695-3089
8850 W Emerald Ste 104
Boise, ID
 
Three Rivers Agency
(208) 629-8774
6595 W Ustick Rd
Boise, ID
 
Aurora Terry
(208) 888-1673
820 N Linder Rd
Meridian, MS
 
Ballard & Co Inc Insurance
(208) 323-8214
851 E Fairview Ave
Meridian, MS
 
J & K Insurance
(208) 887-5300
236 W Cherry Ln
Meridian, MS
 
Fuhriman Insurance
(208) 327-3400
9603 W Chinden Blvd
Boise, ID
 
Claiborne Business Services
(208) 375-1725
4170 Marylebone Way
Boise, ID
 

Business Insurance - Protect Your Buisness

Provided By: 

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...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap