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Don't Forget Insurance

Don't Forget Insurance

As with any business, you must factor in the cost of insurance. It would be terrible for something unexpected to occur and wipe your business off the map. Insurance is a great way to prepare for the unexpected. You can never be too careful.

There are four basic types of insurance you may need. Do your research and always check with your local insurance agency and attorney to determine what may fit your business and location the best. Our workers' compensation insurance proved beneficial when an employee had a bad experience with the machine!

  1. Product Liability. Generally protects you if any of your products harm any customers.
  2. General Liability. Generally protects you if a visitor to your place of business is harmed or injured in any way.
  3. Workers' Compensation. Generally protects your employees if they are injured while on the job. This is usually required by your state and may, or may not, cover the owner of the business.
  4. Property Insurance. Generally protects you in case of fire, theft or other type of damage to your business or equipment.

Again, it is important to speak with a local insurance agent and attorney to determine the exact insurance coverage for your business. As with any business expense, shop around with a variety of insurance companies to determine the best match for your budget.