Every business owner works really hard to make sure their business is up and running with the best team, products and establishment possible. From the moment you put together your first ideas to gathering a team to help you build your ideas and finally opening for business, your hard work should not go unprotected. Every business owner needs the right business insurance policy to protect their assets and ensure that the business keeps running smoothly for many years to come.
There are several different types of insurance coverage that are considered essential for business owners. To better serve our clients, we offer a wide variety of business insurance coverage options including:
As a business owner, you’re responsible for making sure that your daily operations, your employees and your end product are all protected with total insurance coverage. No matter the size of your business or the number of people you currently employ, without proper insurance coverage, you are putting your profits and your reputation at risk if you operate without a solid insurance policy.
This type of insurance covers any physical damage or injuries incurred by a third party, as well as any claims of libel or slander against your business. Most often, landlords will require businesses to carry this type of coverage when renting a business space.
If you own your own building or have any business personal property like office equipment, computers or tools in your building, this coverage protects against fire, vandalism, theft, smoke damage and more.
This legal contract works to ensure that all obligations are upheld between whoever who holds the bond, the person who required the bond and a surety or insurance company who guarantees the bond.
If your business is unable to operate due to an accident or disaster, this coverage works to protect your earnings. Often paired with business property insurance, this coverage helps business owners to plan ahead for a rainy day when operations come to a halt.
Whether you provide company vehicles for your employees or require employees to use their own cars to transport business items, this coverage works to protect against liability claims, property damage and job-related injuries.
If you have more than 2 employees, it is important that you invest in worker’s compensation insurance. While accidents may be few and far between, it’s in the best interest of your business and employees to carry this insurance as it covers medical bills, time lost, rehabilitation costs and more for anyone who is injured or becomes ill on the job.
With so much time, energy and hard work put into building your business, investing in comprehensive business insurance is a must. When putting together your business insurance policy, keep these key factors in mind about the business insurance CA company owners need:
Whether you have a handful of employees or you’re expanding the business with new locations, finding the right combination of coverage to fit your needs and your budget can be easy with the help of our experienced team at Zuma Insurance. Visit us online to get a free quote and invest in a comprehensive business insurance policy today!