Are you a business owner in or near Orleans, IN? Does Commercial Insurance cover your business? The Busick Insurance Agency LLC can provide the coverage your business should have.
Businesses should have insurance coverage because it helps cover the expenses associated with liability claims and property damage. Without this coverage, business owners may have to pay out-of-pocket for expensive damages and legal claims against their business.
Business insurance coverage helps to save you time, money, and stress. It protects your company from damage and provides benefits for your employees. What types of insurance should your business have?
- Business income insurance
- Commercial property insurance
- Data breach insurance
- Workers’ compensation insurance
Most states require a small business to have insurance coverage. Without it, a company faces risk if:
- A customer or client gets hurt at your place of business and sues you
- A fire destroys your inventory or building
- A computer containing your client’s personal information has been stolen
Most states require workers’ compensation. If an employee suffers a work-related illness or injury, it will provide benefits such as:
- Funeral benefits
- Lost wages
- Medical care
Understand that workers’ compensation benefits are different than unemployment insurance benefits.
Business insurance will protect your customers with a BOP or a business owner’s policy. This policy combines business property and business liability coverage into one to help protect your business from the following:
- Bodily injury
- Personal and advertising injury
- Product liability
- Property damage
Data breach insurance protects your business and customers if a security breach occurs. It will help to pay for the following:
- Identity protection solutions
- Legal fees
- Public relations
Busick Insurance Agency LLC, serving the Orleans, IN area, can provide a quote or answers to your questions. Contact us today and find out what they can do to help protect your business.