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Business Insurance - Protect Your Buisness Waterloo IA

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.

State Farm Insurance
(319) 233-8463
1010 E Mitchell Ave Ste 2
Waterloo, IA
 
American Family Insurance- Michael Nielsen
(319) 234-7736
830 Laporte Rd
Waterloo, IA
 
Clark Jeffery
(319) 235-3008
3120 Kimball Ave
Waterloo, IA
 
Shelter Insurance
(319) 235-8090
2800 Falls Ave
Waterloo, IA
 
Wobbeking-Tjernagel Insurance Inc
(319) 235-6719
2920 Falls Ave Ste 1
Waterloo, IA
 
American Family Insurance
(319) 233-1555
3641 Kimball Ave
Waterloo, IA
 
Allstate Insurance Companies
(319) 233-3380
1120 W 4th St
Waterloo, IA
 
Manson Christel Insurance Agency Inc
(319) 274-4047
1935 E Ridgeway Ave
Waterloo, IA
 
Muehl And Associates Insurance Services
(319) 291-6170
3418 Lafayette Rd
Waterloo, IA
 
Fortress Wealth Management
(515) 225-1712
2894-106th st
Urbandale, IA
 

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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