Journal Première Occasion du 27 octobre 2017 présenté par Bob C, Guerrier Dieuseul, Florence et Pierre René. Retrouvez en replay l’intégralité du journal dans la vidéo ci-dessous.
— Voir aussi : Témoignage de Ti Will
What Kind of Small Business Insurance Do You Need?
If you own or run a small business in the U.S., you’re in good company. According to the U.S. Small Business Administration (SBA), small businesses in this country currently make up 99.7 percent of employer firms. Small businesses have also created 8 million new jobs since 1990. Starting and running a small business isn’t easy, and once you’ve put your heart and soul into that precious enterprise, you’ll want to protect your investment. Here are the major types of small business insurance coverage that you’ll need to ensure that your doors stay open for a long time to come.
These types of insurance coverage can protect your business.
Commercial Property Insurance
Commercial property insurance protects any buildings that you own and the business personal property that is in those buildings. This could include your business’ inventory, office furniture, computer systems and any machinery. You’ll be covered for such hazards as fire, theft, vandalism and smoke damage. Property insurance may or may not include coverage for business interruption, which can always be bought separately.
General Liability Insurance
There are few small businesses that don’t need a general liability policy. If you are selling products or services, which is what a business most often does, you need this coverage. A general liability policy provides both a defense and protection against damages should you or any of your employees cause or be accused of causing property damage or bodily injury to a third party.
Product Liability Insurance
If you’re selling products, you may also want to consider a product liability policy. If a product is found to be defective, this policy will protect your business against financial loss resulting from a related incident.
Errors and Omissions Insurance
Also known as “Professional Liability Insurance,” this coverage is important if you are in the business of providing professional services. If you are a lawyer, real estate agent, accountant, insurance agent, hair stylist, etc., this insurance will provide defense and protection against damages should you be accused of failing to properly render your services. See more http://blog.aisinsurance.com/2016/09/24/what-kind-of-small-business-insurance-do-you-need/#.WkPSgFWnGUk