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Business Insurance - Protect Your Buisness South Portland ME

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.

Darwin Smith
(877) 829-7354
Brimmer, G.David
Portland, ME
 
Allstate Insurance Companies
(207) 945-3310
1045 Broadway
Bangor, ME
 
State Farm Insurance
(207) 947-0924
1219 Broadway
Bangor, ME
 
Hogan Richard D ins Agency Inc
(207) 947-4579
792 Stillwater Ave
Bangor, ME
 
Atlas Business & Employee Services
(503) 595-0394
700 N Hayden Island Dr Ste 290
Portland, ME
 
Nancy Hodson Ins Agcy Inc - State Farm Insurance Agent
(503) 777-6762
8979 SE Division Street
Portland, ME
 
Cross Insurance
(207) 947-7345
74 Gilman Rd
Bangor, ME
 
Rti Business Group
(503) 203-8059
3251 Nw 29th Ave
Portland, ME
 
Business Insurance LLC
(503) 684-1712
17020 Sw Upper Boones Ferry Rd
Portland, ME
 
Allen Peter C
(207) 947-6781
585 Hammond St
Bangor, ME
 

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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