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Business
Insurance

We offer comprehensive insurance to protect your business.

Book Store Owner

FAQ

  • There are several types of business insurance available to protect different aspects of your operations. Common options include:

    · General Liability Insurance

    · Commercial Property Insurance

    · Business Owner’s Policy (BOP)

    · Workers’ Compensation Insurance

    · Professional Liability (Errors & Omissions)

    · Commercial Auto Insurance

    · Cyber Liability Insurance

    · Business Interruption Insurance

    Each business is unique, so coverage should be tailored to your specific risks and industry.

  • Yes. Even if you work from home, homeowners insurance typically does not cover business-related claims such as equipment damage, liability, or inventory loss. You may need:

    · A home-based business endorsement

    · A separate business insurance policy

    · Professional liability if you offer services or advice

    Without the proper coverage, you may be exposed to significant risks.

  • General liability insurance protects your business from third-party claims involving:

    · Bodily injury

    · Property damage

    · Personal and advertising injury

    It’s essential coverage that helps pay for legal fees, settlements, and medical expenses if your business is found liable for an incident.

  • In most states, yes, if you have employees. Workers’ compensation insurance covers:

    · Medical expenses

    · Lost wages

    · Rehabilitation costs

    It protects both the business and the employee if an injury or illness occurs on the job. Requirements vary by state, so it’s important to check your local laws.

  • Yes, both are available and highly recommended:

    · Business Interruption Insurance helps cover lost income and operating expenses if your business is temporarily unable to operate due to a covered event (e.g., fire or natural disaster).

    · Cyber Liability Insurance protects against data breaches, ransomware, and other cyber incidents. It can cover legal fees, notification costs, and even recovery expenses.

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