Business Insurance Wayne PA
Business insurance allows business owners to hedge against losses due to a number of circumstances. If you want to learn more about purchasing a policy to cover your company, read on for more information.
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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.
Be sure to check on your jurisdictions requirements for workers compensation coverage when you buy your insurance for your business. The bad news: A BOP doesn't include workers compensation, health or disability insurance. If you have employees, you'll need separate policies for these coverages.
The in home business insurance policy coverage can also be called an in home business endorsement. In that case, it will be a special endorsement to your existing home insurance.
Even better, group insurance has tax advantages too. Employer contributions to a small business dental and health insurance plan are generally 100% tax deductible for the employer and employees will likely save on payroll taxes. Everyone wins!