Small Business Insurance Davenport IA
American Family Insurance - Kris Oetzmann
3451 N Fairmount St Ste C
Partners Business Services Inc
4205 N Sturdevant St
3518 Jersey Ridge Rd
American Family Insurance - Richell Stock
960 E 53rd St
State Farm Insurance
2701 Stange Rd Ste 110
100 Kirkwood Blvd
American Family Insurance
2207 E 52nd St
Modern Woodmen Of America
583 E 53rd St
Allstate Insurance Companies
5159 Utica Ridge Rd
Flesher & Associates
1239 73rd St Ste H
Des Moines, IA
Insurance For Your Small Business
One of the biggest mistakes small business owners often make is not insuring their business, not getting the proper insurance, or under-insuring their business. Work with both your accountant and your insurance agent to ensure that you make the right choices. Business insurance falls into two categories: Insurance that protects your business, and insurance that protects you and your employees. You will need to take a look at both categories to ensure that you have covered all the bases.
The first type of policy to look at for your business is a Standard Business Owners Policy (BOP). This type of policy encompasses several different types of coverage, and offers the best overall protection for your business. A standard business owner’s policy typically covers property damage, liability, and loss of income due to business interruption. Have your accountant go over the BOP that your insurance agent offers to make sure that it has the coverage that you need.
Business Owners Policies do not cover all of your small business insurance needs - the next type of insurance to look at is automobile insurance. This insurance should cover any vehicles used in the course of your business, such as delivery vehicles and company cars. Automobile Liability insurance is required in most states, for both personal and business vehicles.
A standard business owners policy may include coverage for your equipment, however, if it does not, you will probably want to get a policy that will cover the equipment. For equipment that doesn't fit into other types of coverage, you can purchase a specialized equipment coverage policy. Present a list of the equipment you need coverage for to your insurance agent to find out what equipment can be covered by the different policies available.
For yourself, you will need health insurance, disability insurance, and life insurance. You can also try to find a group insurance package that will enable you to offer thes...
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