责任大发888dafa如何保护您的企业

业务 liability insurance protects your business (and you personally) against formal lawsuits or third-party claims. This type of insurance will also cover any legal expenses related to your legal defense.

例如, business liability insurance protects your company's assets if:

• 有人在公司里受伤了
• You or someone you employ causes property damage or injury when working on behalf of your company
• 你造成了出租财产的损坏(例如.g.(如发生火灾或其他承保损失)
• There are damages due to libel, slander, copyright infringement, or false or misleading advertising

你需要商业责任大发888dafa吗?

简短的回答是肯定的. Every business needs business liability insurance. It is your protection against negligence and the bad luck of everyday accidents occurring on the job. 也, proof of business liability insurance is often required to obtain a business license.

企业责任大发888dafa是如何包装的?

You can buy general business liability insurance as a single policy. 然而, general business liability insurance is often a part of a business owner's policy (BOP), 包括财产大发888dafa吗. Insurers tend to bundle both types of insurance together within a BOP.

你需要多少责任大发888dafa?

The amount of liability coverage you need largely depends on your type of business and risk exposure. A construction company obviously needs more coverage than an independent consultant. Another factor to consider is the location of your business because some states have additional insurance requirements.¹

You should consult with a licensed insurance broker before signing any insurance policy. 例如, if your business is in the lower-risk category, you could look for a BOP that combines all your business insurance needs and has a cost-effective rate.

企业责任计划如何运作?

Your insurance policy will state the maximum amount the insurance company will pay out in the event of a liability claim. You are responsible for paying any costs that are above the maximum payout amount of your insurance company. You could, however, buy additional coverage with excess insurance or umbrella insurance.²

It's always a good idea to conduct your own industry research. 例如, a client contract could require your business to have higher coverage than what your current policy provides. 也, some construction contractors may add you to their own general liability policy for the duration of a project.

购买商业大发888dafa的步骤

When shopping for or buying business insurance, the Small 业务 Association recommends using a four-step approach:¹

第一步:评估你的风险和弱点

Risk assessment is a vital element in business continuity planning. The assessment could be the due diligence that will pay dividends in protecting your people and business property if disaster strikes.

第二步:找到一个信誉良好的有执照的代理商

Find an agent who is motivated by providing you with the best and most cost-effective insurance coverage. 大发888dafa代理人通常收取佣金. Make sure your agent puts your interests ahead of his or her own.

Step 3: Shop around and take note of price differences

Compare the price and coverage of policies offered by several agents and insurers. Pay particular attention to policies that are priced lower than average, 尤其是大发888dafa范围和免赔额. 大发888dafa is like any other product: you get what you pay for.

第四步:每年重新评估你的大发888dafa需求

As your business expands in value, size, and scope of operation, so do your risks. 至少每年重新评估你的大发888dafa需求. Again, it is about risk assessment and your ability to recover from a disaster.

1. 小企业管理局.政府,2022
2. TheBalance.2022年6月7日

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. 消费品, 有限责任公司, is not affiliated with the named 经纪自营商, 在州或证券交易委员会注册 投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.