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Intro By Scott Simpson

Business Insurance Pt 1
Business Owners policies are designed for main street businesses such as retailers, wholesalers and small offices.
It basically covers, Property and Liability. Important to keep an up to date inventory of all business property.

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Understanding Your Business Insurance Coverage
When you own a business, you have a lot to protect, and the right
small business insurance coverage can be important to your continued success.

Luckily, there are a variety of coverages to choose from when it comes to protecting your business.
But, do you know what types of business insurance coverage options are out there? And, which of those coverages
could help protect your particular business?
Here's a rundown of the things to consider when it comes to buying your small business insurance policy:

Small Business Liability Insurance Coverage
No matter how careful you are, you may find yourself in a variety of situations that could result in a lawsuit against your business,
so it's a good idea to be prepared—just in case. The U.S. Small Business Administration (SBA) outlines three types of business liability coverage:

Business Insurance Pt 2
Do you have business interuption insurance for payroll, lost revenue and expenses?

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General Liability Coverage
This type of coverage protects you in case you are sued because of accidents, injuries or claims of negligence.
For example, if someone is injured on the
premises of your business and files a lawsuit against you, this type of coverage may (depending on the situation) help cover some of the related costs.

Product Liability Coverage
If your company manufactures or sells a product, this type of coverage may come in handy.
It protects you in case your product is defective and causes injury or damage.

Professional Liability Coverage
Businesses that provide services often purchase this type of coverage, which protects against errors and negligence.
One example, according to the SBA, is the malpractice insurance that doctors are required to carry.

Insure your home based business.
Call Scott Simpson for details, make sure you are protected.

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Contractors Insurance

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Small Business Coverage For Business Vehicles
Just like your personal car, your business' vehicle needs to be protected. Business auto coverage is available to help protect your company
against liability arising from accidents in your company's vehicle, as well as other features, depending on the policy.

Small Business Data Compromise Insurance Coverage
Data compromise coverage, or data breach coverage, is another way to protect your business.
This type of coverage helps protect against any associated legal or other costs in the event that personal data of employees or
customers is stolen or accidentally released by your company.

Small Business Property Insurance Coverage

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Perhaps the most obvious reason to purchase small business insurance is to protect your tangible investment—from your merchandise to the tools you use to make your business work. What would you do if, for example, a fire destroyed your place of business, making your
equipment unusable and your products unsellable?

The property coverage in a business insurance policy can help protect the physical property of your
business against certain causes (they vary and are specified in your policy). This coverage may protect the actual building
in which your business is housed, as well as inventory,
equipment, furnishings and other property you have there. According to the Insurance Information Institute (III), it may also cover other costs, such as equipment breakdowns or the cost of removing debris after a covered loss.

Other Considerations
As you shop for a small business insurance policy, there are many things to think about.
If you run your business from home, for example, your homeowners insurancepolicy typically offers
limited or no coverage for business-related property, such as supplies, tools or customers' items stored for
repair, or for business-related liability. So, it may be a good idea to consider purchasing a
business insurance policy.In addition to the coverages described above, there may be even more business
insurance options to consider. A conversation with us can help you determine the
best way to protect your company.