%3Ch1%3EInsurance%20Coverage%20for%20Small%20Businesses%3C%2Fh1%3E%0D%0A%3Cp%3E%0D%0AThe%20purpose%20of%20insurance%20is%20to%20transfer%20a%20risk%20that%20you%20can%20afford%20%28i.e.%20the%20payment%20of%20a%20premium%20with%20no%20guarantee%20of%20its%20return%29%20to%20cover%20a%20risk%20you%20cannot%20afford.%20For%20example%2C%20what%20homeowner%20does%20not%20insure%20his%20or%20her%20personal%20residence%20from%20damage%20by%20fire%3F%0D%0A%3C%2Fp%3E%3Cp%3E%0D%0ABesides%20your%20attorney%20and%20accountant%2C%20another%20professional%20you%20will%20need%20to%20bring%20into%20the%20start-up%20process%20will%20be%20your%20insurance%20agent.%20It%20may%20be%20helpful%20to%20have%20one%20agent%20who%20can%20handle%20all%20of%20your%20insurance%20needs.%20There%20are%20policies%20available%20that%20are%20specifically%20designed%20to%20cover%20small%20businesses%20that%2C%20in%20one%20package%2C%20will%20cover%20most%20of%20your%20insurance%20needs.%0D%0A%3C%2Fp%3E%3Cp%3E%0D%0AInsurance%20is%20not%20only%20going%20to%20be%20important%20to%20you%2C%20but%20it%20will%20be%20important%20to%20your%20other%20business%20relationships.%20For%20example%2C%20if%20you%20choose%20to%20lease%20office%20space%2C%20the%20landlord%20will%20typically%20require%20that%20you%20furnish%20a%20certificate%20of%20insurance%20or%20be%20listed%20as%20an%20additional%20insured%20on%20your%20policy%20as%20assurance%20that%20your%20business%20will%20not%20disappear%20overnight%20in%20the%20event%20a%20loss%20occurs.%0D%0A%3C%2Fp%3E%3Cp%3E%0D%0AHere%20are%20some%20of%20the%20risks%20that%20should%20be%20protected%20by%20insurance%3A%0D%0A%3C%2Fp%3E%3Cp%3E%3Cul%3E%0D%0A%3Cli%3E%3Cb%3EBusiness%20Property%20Insurance%3C%2Fb%3E%0D%0A%0D%0A%09%3Cul%3E%3Cli%3E%0D%0A%20%20%20%20%20Buildings%3A%20Coverage%20would%20be%20required%20here%20if%20you%20own%20the%20building%20your%20business%20occupies.%20In%20the%20event%20you%20lease%20premises%2C%20your%20landlord%20should%20provide%20this%20coverage.%0D%0A%0D%0A%20%20%20%20%3Cli%3E%20Business%20personal%20property%20includes%20your%20tables%2C%20desks%2C%20chairs%20and%20equipment.%20Also%2C%20you%20will%20want%20to%20include%20the%20tenant%27s%20improvements%20you%20might%20make%20to%20leased%20premises.%20An%20example%20would%20be%20a%20room%20divider%20you%20add%2C%20or%20a%20display%20case%2C%20or%20a%20custom%20built%20counter%20that%20forms%20part%20of%20reception%20area%20for%20your%20clients.%0D%0A%0D%0A%20%20%20%20%3Cli%3ELoss%20of%20Income%0D%0A%0D%0A%20%20%20%20%3Cli%3EEarthquake%0D%0A%0D%0A%20%20%20%20%3Cli%3EFlood%20%28which%20may%20or%20may%20not%20be%20available%29%20%0D%0A%3C%2Ful%3E%0D%0AKeep%20in%20mind%20that%20an%20all-risk%20policy%20can%20be%20structured%20to%20cover%20all%20of%20your%20equipment%2C%20including%20computer%20hardware%20and%20software%2C%20plus%20your%20valuable%20records.%20A%20properly%20written%20policy%20will%20include%20loss%20of%20income%20that%20might%20result%20from%20breakdowns%2C%20as%20well%20as%20loss%20of%20income%20from%20other%20hazards%20that%20would%20temporarily%20close%20down%20your%20business.%3Cbr%3E%0D%0A%0D%0A%3Cli%3E%3Cb%3ELiability%20Insurance%3C%2Fb%3E%0D%0A%0D%0A%09%3Cul%3E%0D%0A%0D%0A%20%20%20%20%3Cli%3EPersonal%20and%20Advertising%20Injury%0D%0A%0D%0A%20%20%20%20%3Cli%3EFire%20Legal%20Liability%2C%20which%20is%20often%20mandatory%20if%20you%20lease%20your%20premises.%20This%20protects%20you%20in%20the%20event%20your%20negligence%20results%20in%20damage%20or%20loss%20to%20your%20landlord%27s%20property.%20For%20example%3A%20you%20mistakenly%20leave%20a%20small%20electric%20space%20heater%20running%20and%20go%20home%20for%20the%20evening.%20During%20the%20night%2C%20the%20heater%20shorts%20and%20starts%20a%20fire%2C%20resulting%20in%20fire%20and%20smoke%20damage%20to%20your%20landlord%27s%20building.%20In%20this%20case%2C%20the%20negligent%20act%20of%20leaving%20the%20space%20heater%20on%20caused%20the%20loss.%20This%20is%20where%20Fire%20Legal%20Liability%20protects%20your%20investment.%0D%0A%0D%0A%20%20%20%20%3Cli%3EProducts%20and%20Completed%20Operations%0D%0A%0D%0A%20%20%20%20%3Cli%3EMedical%20Expense%20or%20Medical%20Payments%0D%0A%0D%0A%20%20%20%20%3Cli%3EGeneral%20Liability%20for%20your%20premises.%20The%20best%20illustration%20is%20the%20common%20%22tripping%20over%20the%20torn%20carpet%2C%20resulting%20in%20an%20injury%22%20loss.%20%0D%0A%3C%2Ful%3E%0D%0AOn%20occasion%2C%20some%20policies%20will%20exclude%20Products%20and%20Completed%20Operations%20and%2For%20Personal%20Injury%20and%20Advertising%20Coverage%20depending%20on%20the%20services%20your%20business%20provides.%20In%20these%20instances%2C%20a%20Professional%20Liability%2C%20Malpractice%2C%20or%20Errors%20and%20Omissions%20Policy%20might%20be%20available%20for%20your%20type%20of%20operation%20that%20will%20cover%20the%20errors%20and%20omissions%20that%20might%20result%20in%20suits%20against%20your%20company.%20This%20is%20particularly%20true%20of%20professions%20that%20are%20held%20to%20a%20higher%20degree%20of%20care%20or%20standard%2C%20for%20example%2C%20attorneys%2C%20engineering%20consultants%2C%20insurance%20agents%2C%20realtors%2C%20doctors%20and%20dentists.%3Cbr%3E%0D%0A%0D%0A%3Cli%3E%3Cb%3EWorker%27s%20Compensation%20Insurance%3C%2Fb%3E%3Cbr%3E%0D%0A%0D%0A%09%0D%0A%0D%0A%3Cli%3E%3Cb%3EOther%20Insurance%3C%2Fb%3E%3Cul%3E%0D%0A%0D%0A%20%20%20%20%3Cli%3E%20Auto%20coverage%20for%20company%20vehicles.%20%28Liability%2C%20Comprehensive%2C%20Collision%20and%20Uninsured%2FUnderinsured%20Motorists.%29%0D%0A%0D%0A%20%20%20%20%3Cli%3EHealth%20insurance%20plans%20tailored%20to%20fit%20the%20size%20of%20your%20business.%20This%20coverage%20will%20help%20give%20you%20an%20edge%20when%20recruiting%20good%20employees.%0D%0A%0D%0A%20%20%20%20%3Cli%3EHere%27s%20a%20type%20of%20insurance%20you%20might%20not%20think%20about%3A%20when%20you%27re%20not%20there--and%20when%20only%20your%20answers%20will%20do%2C%20it%20is%20good%20idea%20to%20have%20a%20guide%20prepared%20for%20your%20employees%20to%20know%20what-to-do%2C%20who-to-call%20and%20where-to-find-it%20information%20so%20as%20to%20maintain%20the%20consistency%20of%20your%20business%3C%2Ful%3E%3C%2Ful%3E
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