If you run a small online business, you might think you don’t need commercial insurance. After all, you don’t have a physical space to run your business, meaning no risk of fire, theft, or vandalism. However, the truth is that e-businesses face risks, just like brick-and-mortar businesses. And for this reason, you should consider commercial insurance to cushion your business. So, if you are in Jefferson City, MO, and the surrounding area, please reach out to Luebbering Insurance Agency LLC for a tailor-made business insurance policy.
Depending on the nature of your business, here are commercial insurance coverage options to consider:
- General liability insurance: Whatever business you run, liabilities are never out of the picture. And since liability claims can be costly, you must invest in business liability insurance to cover your business when accused of property damage, bodily, and advertising injury. Plus, this coverage pays for attorney fees and settlement claims when sued.
- Property insurance: Have a storage facility? Do you deal with inventories? You must invest in property insurance to protect your assets from perils like fire, theft, etc. Property insurance doesn’t prevent risks but reduces your financial burden when perils strike.
- Cyber liability insurance: While news of corporates suffering cyberattacks usually gets a lot of coverage, the same risk is rife in small businesses. A simple click of an email may cause data breaches, leading to huge financial consequences.
- Worker’s compensation insurance: How could we forget about worker’s comp insurance? This coverage protects one of your most valuable assets: your employees. Worker’s comp insurance covers the medical bills for your employees when sick or injured in the workplace.
Depending on the nature of your business, you may need more than the above options. So, please reach out to Luebbering Insurance Agency LLC for tailor-made advice.
