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Running a business calls for many types of insurance

When starting a business, you may not spend much time thinking about insurance. However, before you open your doors to the public, it's critical to purchase the right type of coverage.

To ensure that your organization is fully protected at all times, you should learn more about the many types of insurance. This will ensure that you always carry the coverage you need to protect your company and provide peace of mind.

Here are some of the most common types of business insurance policies:

  • Liability insurance: It's essential to carry enough liability insurance, as it protects you from liability to third parties. For example, if your product injures a customer, you could be the target of a lawsuit. Without the right liability insurance, the financial impact could destroy your business.
  • Property insurance: Property damage is a risk that many business owners face. When purchasing a policy, search for one that provides coverage across the board. Furthermore, consider the benefits of a specialized insurance policy, such as one that includes coverage for equipment or inventory.
  • Workers' compensation insurance: If you're required to carry workers' compensation insurance, it's a must to do so at all times. Neglecting to carry an active policy can result in severe fines.
  • Malpractice insurance: This type of policy is best for legal, medical and business professionals. It protects you in the event that your conduct, or that of a team member, doesn't live up to your industry's standard of care.
  • Car insurance: If you have a company vehicle, regardless of the type, the right car insurance coverage is a must. This protects you, your driver and your business in the event of an accident, damage or theft.

When running a business, the right insurance coverage will put your mind at ease. You hope that you never have to file a claim, but there's no way of knowing if this time will come.

If your insurance claim is denied, learn more about the reason and the steps you can take to file an appeal. You spend a lot of money on coverage, so don't let your insurance company push you around.

Visit our website for more information on business insurance and related topics in California.

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