2014

Business Owner Insurance

For small business owners, combining general liability insurance and property insurance into a single business owner policy (BOP) is a less expensive alternative than purchasing both policies separately. All businesses should be insured. But for many small business owners, the expense is just too much each month. Combining two plans into a plan that covers a smaller amount of employees, space, and product is the answer for some small business owners. The coverage covers lost wages, court fees, property damage, and fees from lawsuits as any other business insurance policy, but without the cost of maintaining a larger account.

Making sure all services are covered under a business owner insurance policy is essential. These policies are smaller and can offer the coverage necessary to operate a small business safely and efficiently. Business owners insurance is a good choice for businesses that are just starting out. As they grow, the business owner can switch to a larger policy. This is a good way to save money while making sure the business is covered in case of an emergency.

Since lawsuits are brought against businesses every day, a business owner insurance policy can protect the business and keep the business from suffering. Many small businesses that do not have enough coverage end up paying for fees and settlements out of company profits. This can severely hurt a small business' bottom line. A business owner insurance policy is a security blanket every small business should have in order to remain in business during a lawsuit. This coverage can cover time money lost due to production downtime, as well as time spent in a court room. Business owner insurance offers not only a way to keep the business running when an accident or a lawsuit happens, but also peace of mind to those who are just starting out in the business world.





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