No matter what type of business you run, it is important that you treat it like one. In fact, it is also important to protect themselves, their family, and their business by having enough insurance.
So, what types of insurance do you need? Here are some of the most common ones that you should consider.
Business Owner’s Policy
All business owners need to start with a good policy geared toward business owners. Most of the time, you will pay one monthly fee for three types of insurance that you need to have.
General liability
General liability insurance will protect you, your family, and your business in case someone is hurt, or property is damaged while you are meeting with customers, both in your office and other places. Even if you are just meeting at a local coffee house, you could face legal trouble if your customer falls there.
Commercial property
Every business owner needs to have commercial property insurance. This will help to protect your office and all of the equipment in it. This may include any computers that you use, along with any furniture that you have in there.
Business income
Since all businesses face an up and down market, it is important to have business income insurance. This will help replace your lost income if you are closed temporarily because of property damage.
A good business insurance will cover general liability, in case someone gets hurt or property is damaged. Commercial property insurance will cover your office and everything in it, while business income will help to cover costs if you must shut down for a few weeks or months due to property damage.
Finally
If you want to discuss options for business insurance, please call us at 561-732-9305. Our quoting hours are Monday through Friday from 8:30 AM to 5:00 PM. In addition, you can request a quote online. Please remember, We Handle All the Work, While You Save!
Robert Macoviak is the President of Oyer, Macoviak and Associates. Oyer, Macoviak and Associates is the oldest independent insurance agency in Boynton Beach and has been in business since 1953. Oyer, Macoviak and Associates are vested members of the community who are committed to doing business face-to-face and being your insurance advocate in times of need.
