1. Property insurance
Compensation insurance business property if the property is used in a business is lost or damaged as a result of various types of common hazards, such as fire or theft. Property insurance covers not only the building or structure but also insurance what are referred to as personal property, means the office furniture, supplies, raw materials, machinery, computers and other items that are essential to for damage to the equipment, removal of debris after a fire or other destructive events, some types of damage and other losses.
Compensation insurance business property if the property is used in a business is lost or damaged as a result of various types of common hazards, such as fire or theft. Property insurance covers not only the building or structure but also insurance what are referred to as personal property, means the office furniture, supplies, raw materials, machinery, computers and other items that are essential to for damage to the equipment, removal of debris after a fire or other destructive events, some types of damage and other losses.
2. Liability insurance
Each company can be sued. Business customers can claim that cause them damage as a result of, for example, product defects, errors in service or ignore other people's property. Or a claimant can state that the business of creating a dangerous environment. Insurance liability to pay compensation business is found liable, up to the limits of the policy, as well as attorneys' fees and other legal defense costs. He also pays the medical bills of any person injured by, or on location, business.
3. Business Auto Insurance
Business auto policy provides coverage for autos owned by the business. Insurance pay any fee to a third party resulting from injury or property damage body legally responsible business, to the extent the policy and.
4. Workers compensation insurance
In all states but Texas employer must have workers' compensation insurance when there are more than a number of employees, ranging from three to five years, depending on the circumstances. Workers comp insurance, as this coverage is generally called, pay for medical care and replace a portion of lost wages for employees injured on the job, regardless of which at fault .The insurance will provide compensation to the families of employees. Very small businesses, such as those operated by one or two people from the house, may not need workers compensation insurance. But often need more property and liability insurance of which are provided in a typical homeowner's policy.
