企业主保险

作为一个企业主，你一直在努力建立一个稳固的企业. 但当意外发生时会发生什么? Are you covered?

A business owners policy is uniquely designed to protect your most important assets, 包括你的业务, its continuation, your employees, 还有你的生活方式. Discuss the details of this coverage with your agent and ensure that you're protected.

如果你为他人和记体育注册app, you are at risk of not doing the work correctly (errors) or not doing it at all (omissions). Lawsuits can arise claiming the error or omission harmed your client and caused them a financial loss.

Errors and omissions liability insurance protects any business that gives advice, 让受过教育的建议, designs solutions, 或者代表他人的需要. Ensure you have this important coverage if you perform services for clients.

Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.

Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

商业保护伞政策提供了很高的保险限额, 通常在2美元,000,000 and $10,000,000. 保险范围包括一般责任保险, 工人的补偿, business auto, 以及董事和管理人员的责任保险. It provides a great safety net and helps ensure your business is well protected.

企业易受许多风险的影响, 比如人身伤害索赔, property damage, personal injury, and more.

一般责任保险对任何企业都是绝对必要的. 当你被认为有责任时，它提供广泛的保险, and will also pay to defend any covered lawsuit or action regardless of its merit.

What will you do if one of your trusted employees is found guilty of doing something dishonest?

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, 伪造和存, theft, 破坏和消失, and more. 与你的代理人讨论这个保险的细节以了解更多.

你的生意会对环境造成破坏吗? 如果是的话，您是否有保险?

Environmental insurance provides protection if an environmental catastrophe occurs.

随着科技在当今世界执行许多任务, 崩溃会造成很大的经济负担, 包括修理设备的费用, 你生意的中断, 以及任何损失的收入和额外的开支.

Comprehensive coverage provides protection against equipment mechanical breakdown. 与你的保险代理人讨论保险条款的细节.

If one of your employees receives an injury or becomes ill due to a work-related occurrence, 法律要求你拥有适当的保险.

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.

An auto accident can cause bodily injury or property damage to others for which you are responsible, 可能会让你的企业陷入财务危机.

Business auto insurance provides coverage for vehicles owned or leased by a commercial enterprise and provides coverage for bodily injury, property damage, 和其他保险, 并包括全面和碰撞覆盖.

On average, it's estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Obtain employment practices liability insurance to protect your business and its directors, officers. and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, 和性骚扰.

互联网编织了一张全新的负债暴露网络. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. 但这些好处也带来了挑战, 包括保护私隐, data, 以及客户的财务信息.

Cyber liability coverage covers unauthorized access to electronic data or software within your network. 它还提供了传播病毒的覆盖范围, computer theft, extortion, 或任何无意的行为, mistake, error, 或雇员的疏忽. This coverage is quickly becoming more and more important as you embrace technology to help run your businesses.

如果火灾影响了你的生意，你会怎么做? 或者，如果管道泄漏导致系统中断或延长停机时间怎么办? These and other events can destroy your ability to serve clients and bring in revenue, 哪些因素会对企业的生存能力产生重大的长期影响.

Business income insurance compensates you for lost income if the business cannot operate as normal due to damage that is covered under your commercial property insurance policy, 如火灾或水灾. 业务中断保险涵盖了你本应获得的收入, 根据你的财务记录, 难道这一事件没有发生吗. 该政策还包括运营费用, like electricity, that continue even though business activities have come to a temporary halt.

你的商业财产是一项重要的金融投资. 要是它出了什么事怎么办?

Commercial property insurance can help protect the property your business owns or leases, 包括设备之类的东西, inventory, furniture, and fixtures. 不管你是拥有自己的大楼还是出租你的工作空间, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.