WEDNESDAY, JUNE 3, 2015
 Starting a business is a major investment of time and money. As a business owner, putting protocols in place to protect that investment can benefit your interests in more ways than one. While there are many different reasons a business should obtain business insurance, knowing you have those options in your corner can make a difference in your longevity and overall operations.
Why Should I Get Business Insurance?
Business insurance can protect you and your employees. Even if you are a small operation, having protections in place can save you from sustaining huge financial losses in the event of an accident or unforeseen circumstance.
Which Types Of Policies Are Available?
There are a number of business coverages available, allowing you to customize a business insurance policy to meet your unique needs. A few of the most common options include:
- Commercial Auto: Commercial auto insurance protects you and any employee who operates company vehicles. Insuring your business' vehicles are covered is a smart business decision. Without coverage, your company could wind up on the brink of disaster should any lawsuits or accidents occur.
- General Liability: Every business needs some form of general liability insurance to protect its customers in the event of accidents, slips, falls and claims of substandard work. Without general liability, you leave your company open to the possibility of financial losses that could cripple your operations.
- Property: Commercial property insurance is the best way to protect your investment in equipment, furniture, computers and other business property. You want to make sure you have coverage in place that will give you leverage in the event of inclement weather damage, fire, theft and more. Property insurance helps ensure you remain in operation, even if your business is temporarily displaced.
- Workers Compensation: This coverage is a good financial move that helps brand loyalty among your workers, as its main purpose is to protect their interests.
- Business Owner Policy: You may want to consider getting a business owner policy (known as a BOP) that will combine all your policies into one bundle. This saves time, money and streamlines your recordkeeping.
Having coverage to protect your investment is one of the keys to effective business management. Be proactive and discuss your options with your independent insurance agent today.
Is your business covered? Call Heritage Insurance at (800) 667-7640 for more information on Moose Jaw business insurance.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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