No matter how big your business, no matter how small, it's a good idea to have insurance for financial protection

Whether you have a small business with few employees or a large corporation, all business should have certain kinds of insurance. Liability insurance is recommended for property and for company automobiles. Worker's Compensation Insurance is required by all states if you have employees. The type of coverage your business needs depends on the nature of your business. If there are a lot of assets, you should consider property damage and theft insurance. You may also want life insurance on you and other key personnel in the company. The type of business insurance you should have depends on your business, size, number of employees, etc.

Sources For Your Insurance Needs

We've scouted around and have come up with some resources to help you find insurance for your business.

  • NetQuote: Since 1989 they’ve assisted consumers and businesses with their business insurance quotes. They are a free insurance quote service with access to over 100 of the nation’s top insurers.
  • Get FREE business insurance quotes from a Mostchoice agent. has an agent in your area who can get you the best deal on insurance.
  • has been around since 1998, connecting consumers throughout the nation with insurance companies in their local areas.
  • Business Insurance Quotes by Get your quote in less than 5 minutes.
  • can give you quotes for most every type of business.

What Types of Coverage Are Available?

If you have employees, Workers Compensation coverage will be mandatory according to state law. This insurance protects you and your employees for injuries which might occur while on the job. Automobile insurance will be mandatory by state law if you have company vehicles. Liability insurance should also be considered, to protect yourself against lawsuits or claims filed by third parties who may be injured or suffer property damage as a result of something your company did--or failed to do. Your insurance agent will be able to advise you on the types and amounts you need. If your business has any property--whether inventory or equipment of any kind, you will want to consider property insurance. One lightning bolt could put you out of business without this coverage. And there are specialty policies which you can buy for a variety of reasons, depending on your circumstances, such as business interruption insurance should you suffer flood, fire or other mishap that closes your business for a time; flood or earthquake insurance; crime insurance which protects against loss due to crimes; fidelity bonds--aka "dishonesty insurance"--for protection against dishonest employees. There are other types of policies not covered here, be sure to check with your agent as to whether you need further coverage.

You can also purchase a "Business Owners Policy" (BOP) which should cover most all of your insurance needs as a business owner.

Summing Up....

We all know that insurance is available to us for financial protection in all areas of our life, including our business life. If you are a business owner, you'll want to be sure you are adequately protected against all possibility of losses, for yourself and for your employees. All it takes is one seemingly small incident to wipe you out financially and put your employees and yourself out of a job. No smart business owner would be without the types of business insurance he or she needs for financial security.

Dental insurance is managed just like health insurance. Personal choices for dental insurance can be different so one should thoroughly go through the options before selecting any plan for him. Increasing costs of other forms of insurance have forced people to go for only specific choices. Many people make the decision to forego home insurance while others prefer to have car insurance at their first priority. Insurance packages for cars vary dramatically in prices because teenagers lack driving experience so the companies consider them a risk and thus charges high premium rates.

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