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Business Insurance - Protect Your Buisness Sioux Falls SD

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.

Prudential
(605) 371-2258
300 N Dakota Ave Ste 612
Sioux Falls, SD
 
Insurance Connection
(605) 339-3147
1412 S Minnesota Av
Sioux Falls, SD
 
American Income Life
(605) 362-2933
4426 S Technology Dr
Sioux Falls, SD
 
Primerica Financial Services
(605) 271-6425
3220 W 57th St
Sioux Falls, SD
 
Dorothy Law Firm
(605) 335-5740
601 E Tan Tara Cir
Sioux Falls, SD
 
Bechtel Insurance
(605) 336-6227
232 E 12th St
Sioux Falls, SD
 
McKinney Allen E Associates After Business Hours Sundays E Holidays
(605) 338-5118
2709 E Slaten Park Cir
Sioux Falls, SD
 
Thrivent Financial For Lutherans
(605) 331-3699
5015 S Crossing Pl Ste 130
Sioux Falls, SD
 
Garry Associates LLP
(605) 332-5900
7400 S Bitterroot Pl
Sioux Falls, SD
 
Farm Bureau Financial Services
(605) 271-6300
2121 W 63rd Pl Ste 10
Sioux Falls, SD
 

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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