Small or Home Business Insurance – Everything You Need to Know

accident should the customer file a case. Home business liability insurance will provide you with coverage for such cases.

If you are a professional, such as a doctor, lawyer, financial/marketing/business consultant, then consider getting professional liability insurance which will protect you from malpractice claims, etc.

Although few home businesses have employees, those that do should consider getting a group health policy along with workers’ compensation policy. The first one would provide health coverage to your employees, while the second one would provide coverage for any injuries suffered by your employees at your business premises. Some businesses have elevated risk of injuries due to the nature of the work – for example, stocking large items to be sold on eBay or other sites. In these scenarios, a workers’ compensation and group health policy can be especially useful.

Finally, if your business depends on certain vehicles – a delivery truck or even a car used to deliver stuff locally – then you should consider getting commercial auto insurance.

Combined, all these policies will cover your home business against any kind of loss and liability. Understanding them is the first step to empowering your small or home business.

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