BUSINESS OWNERS POLICY
Talk to your insurance company about the policies that will mean the most for your needs.

What Should Your Business Insurance Portfolio Include?

Most business owners are familiar with general liability insurance and professional liability insurance, which are very important components in your insurance portfolio. Those policies don’t cover all of your business risks. Consider adding these types of insurance to your coverage:
Business owners policy in Carmel
This policy includes property insurance and business interruption insurance. It can include equipment breakdown, exterior structure breakage and other items that might be specific to your industry. It’s worth talking to your agent about what you can cover with a business owners policy in Carmel.
• Business auto insurance
Even if you don’t have a fleet of vehicles, if you or an employee ever drives while on the clock, it could open the door to a lawsuit if you have an accident.
• Cyber liability
If your business has online accounts or maintains a database of protected information, cyber liability can help you after a breach. Hackers go after small and large businesses, so don’t think you’re not on their radar if you seemingly don’t have a lot of assets.
• Workers’ compensation
Although this insurance is typically required for most businesses, it’s important to make sure you have a solid policy that protects your employees.
Insurance Is Proactive Risk Management
Your business insurance protects your financial assets in case the worst happens. Talk to your insurance company about the policies that will mean the most for your needs.

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