As a small business proprietor, you may know how important it is to protect it from financial woes, workers compensation claims, and even property damage. Being your lifeblood, you need to choose the right business insurance plans to protect it from risks. Take a look at some of the policies you need for your small business.
General Liability
Also known as business insurance, it guards you against bodily injury claims, property damage, and personal injury. This cover also helps protect you when advertising injury claims are made against your business.
Workers’ compensation cover
It covers you and your employees by helping pay for your employees’ expenses such as medical costs or lost wages resulting from an illness or injury on the job.
Auto and home insurance riders
If you use your home or car to run your business, your standard policies may not fully protect you. So, you can get a hired and non-owned auto liability insurance to cover any claims against your business. It will cover any claims against you for any incidents or accidents that may occur when employees are driving.
Credit Insurance
Small businesses can, from time to time, operate on credit. To protect your business from bad debt losses, credit insurance can help cushion your business.
Cyber Insurance
Data breaches and cyber-attacks are rife with almost all businesses operating online in today’s world. It is, therefore, necessary to put in place measures that protect your small business from such cyber threats. It is crucial to get cyber insurance so that you can rest assured that your employee and client information is safe. In case of a hack or breach, you will be covered.
Professional Liability Insurance
Also known as Errors and Omissions insurance, it safeguards you from claims over professional negligence.
If your business is in Asheville, NC, you will significantly benefit from our business insurance plans. Contact Integrative Family Medicine of Asheville, and we will ensure your business is well covered.
