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seguro para empresas

Small business insurance.

Quote the insurance you need for your company with agents who will help you choose the one that best suits your needs.

seguro para empresas

Small business insurance.

Quote the insurance you need for your company with agents who will help you choose the one that best suits your needs.

We partner we small business insurance specialists who understand that every business is different, which is why we don’t offer one-size-fits-all solutions. We customize a policy to fit the risks your company faces so you can get the right coverage, right now.

Commercial insurance protects you from the unexpected costs of running a business. Accidents, natural disasters and lawsuits can put you out of business if you are not protected with the right insurance.

Choose the type of commercial insurance you need.

The protections you get by choosing a business structure such as a limited liability company (LLC) or corporation generally only protect your personal property from lawsuits, and even that protection is limited.

Commercial insurance can fill in the gaps to ensure that both your personal and business assets are fully protected against unexpected catastrophes.

In some cases, you may be legally required to purchase certain types of commercial insurance.

The federal government requires all companies with employees to carry workers’ compensation, unemployment and disability insurance.

Some states also require additional insurance. Laws requiring insurance vary by state, so visit your state’s website to find out the requirements for your business.

Six common types of commercial insurance.

After purchasing the insurance required by law, you can find insurance to cover any other commercial risks. As a general rule, you should insure against things you could not afford on your own.

Talk to insurance agents to find out what type of coverage makes sense for your business and compare terms and prices to find the best deal for you. Here are six common types of commercial insurance you should look for:

General liability insurance:

This coverage protects against financial loss as a result of bodily injury, property damage, medical expenses, defamation, libel, slander, defense of judgments and bail or settlement judgments.

Product liability insurance:

This coverage protects against financial loss as a result of a defective product causing bodily injury or damage.

Professional liability insurance:

This coverage protects against financial loss as a result of malpractice, errors and negligence.

4. Commercial property insurance:

This coverage protects your company against loss and damage to company property due to a wide variety of events, such as fire, smoke, wind and hail storms, civil disobedience and vandalism.

5. Home-based business insurance:

Coverage added to homeowners insurance as a rider can provide protection for a small amount of commercial equipment and liability coverage for third-party injuries.

6. Business Owner’s Policy

A business owner’s policy is an insurance package that combines all of the typical coverage options into one package. They simplify the insurance purchasing process and can save you money.

Four steps to buying commercial insurance:

  • Evaluate your risks. Think about what kind of accidents, natural disasters or lawsuits could damage your business. For example, if your business is located in a commercial area that is at risk from seasonal events such as fire or hail storms, commercial property insurance will help protect you against losses.
  • Find a reputable licensed agent. Commercial insurance agents can help you find policies that match your business needs. They receive commissions from insurance companies when they sell policies, so it is important to find a licensed agent who is interested in their needs as much as yours.
  • Shopping around. Prices and benefits may vary significantly. You should compare the rates, terms and benefits of insurance offers from several different agents.
  • Re-evaluate every year. As your business grows, so do your liabilities. If you have purchased or replaced equipment or expanded your operations, you should contact your insurance agent to discuss the changes in your business and how they affect your coverage.

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    We partner we small business insurance specialists who understand that every business is different, which is why we don’t offer one-size-fits-all solutions. We customize a policy to fit the risks your company faces so you can get the right coverage, right now.

    Commercial insurance protects you from the unexpected costs of running a business. Accidents, natural disasters and lawsuits can put you out of business if you are not protected with the right insurance.

    Choose the type of commercial insurance you need.

    The protections you get by choosing a business structure such as a limited liability company (LLC) or corporation generally only protect your personal property from lawsuits, and even that protection is limited.

    Commercial insurance can fill in the gaps to ensure that both your personal and business assets are fully protected against unexpected catastrophes.

    In some cases, you may be legally required to purchase certain types of commercial insurance.

    The federal government requires all companies with employees to carry workers’ compensation, unemployment and disability insurance.

    Some states also require additional insurance. Laws requiring insurance vary by state, so visit your state’s website to find out the requirements for your business.

    Six common types of commercial insurance.

    After purchasing the insurance required by law, you can find insurance to cover any other commercial risks. As a general rule, you should insure against things you could not afford on your own.

    Talk to insurance agents to find out what type of coverage makes sense for your business and compare terms and prices to find the best deal for you. Here are six common types of commercial insurance you should look for:

    General liability insurance:

    This coverage protects against financial loss as a result of bodily injury, property damage, medical expenses, defamation, libel, slander, defense of judgments and bail or settlement judgments.

    Product liability insurance:

    This coverage protects against financial loss as a result of a defective product causing bodily injury or damage.

    Professional liability insurance:

    This coverage protects against financial loss as a result of malpractice, errors and negligence.

    4. Commercial property insurance:

    This coverage protects your company against loss and damage to company property due to a wide variety of events, such as fire, smoke, wind and hail storms, civil disobedience and vandalism.

    5. Home-based business insurance:

    Coverage added to homeowners insurance as a rider can provide protection for a small amount of commercial equipment and liability coverage for third-party injuries.

    6. Business Owner’s Policy

    A business owner’s policy is an insurance package that combines all of the typical coverage options into one package. They simplify the insurance purchasing process and can save you money.

    Four steps to buying commercial insurance:

    • Evaluate your risks. Think about what kind of accidents, natural disasters or lawsuits could damage your business. For example, if your business is located in a commercial area that is at risk from seasonal events such as fire or hail storms, commercial property insurance will help protect you against losses.
    • Find a reputable licensed agent. Commercial insurance agents can help you find policies that match your business needs. They receive commissions from insurance companies when they sell policies, so it is important to find a licensed agent who is interested in their needs as much as yours.
    • Shopping around. Prices and benefits may vary significantly. You should compare the rates, terms and benefits of insurance offers from several different agents.
    • Re-evaluate every year. As your business grows, so do your liabilities. If you have purchased or replaced equipment or expanded your operations, you should contact your insurance agent to discuss the changes in your business and how they affect your coverage.

    SUBSCRIBE

    Receive information about our products, news, promotions and services.