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Business Insurance - Protect Your Buisness Sparks NV

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.

Farmers Insurance-Agent Marvin S. Otzoy
(775) 337-2323
3100 Mill Street Suite 200
Reno, NV
 
McKinnon Hortencia Insurance
(775) 329-6656
708 N Center St
Reno, NV
 
Comstock Insurance Agencies Inc
(775) 853-9424
9424 Double R Blvd
Carson City, NV
 
Hunt Larry Insurance LLC
(775) 851-3370
7111 S Virginia St Ste A18
Reno, NV
 
AIM Associated Insurance Managers
(775) 827-1400
7025 Longley Ln Ste 60
Carson City, NV
 
Advanced Insurance Consulting
(775) 786-3331
890 Mill St Ste 101
Reno, NV
 
Wells Fargo Insurance Services of Nevada
(775) 448-5700
6900 S Mccarran Blvd Ste 2050
Reno, NV
 
State Farm Insurance Companies
(775) 327-4800
11331 S Virginia St
Carson City, NV
 
Larry Hunt Insurance
(775) 851-3370
7111 S Virginia St Ste A18
Carson City, NV
 
Western Appraisers & Adjusters
(775) 849-9200
2375 Lake Shore Dr
Carson City, NV
 

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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