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Business Insurance - Protect Your Buisness Washington DC

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.

Davis Planning Associates, Inc
(202) 429-9393
1625 K St., NW
Washington, DC
 
The McLaughlin Company
(202) 293-5566
1725 DeSales St., NW
Washington, DC
 
Answer Title & Escrow LLC
(202) 204-0600
10 G St., NE
Washington, DC
 
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(981) 111-1111
street
city, NY
Alternate Phone Number
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Services
software

Marsh USA Inc.
(202) 263-7600
1255-23rd Street, NW
Washington, DC
 
District of Columbia Insurance Federation
(202) 797-0757
P.O. Box 34757
Washington, DC
 
Chubb & Son, Inc.
(202) 822-3200
1920 L Street, NW Suite 700
Washington, DC
 
Alliance Insurance Services Inc
(202) 638-1010
1660 L St., NW #308
Washington, DC
 
Guardian Property & Casualty Company, Inc
(202) 204-8700
202-204-8700
Washington, DC
 
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001-980-0000-000
co-street
State, WA
Alternate Phone Number
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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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