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• damage to your business vehicles
• · liability exposures resulting from the operation of your business
• · loss of income
• · theft, robbery, even employee dishonesty

Whether for-profit or nonprofit, small businesses should have certain kinds of insurance. Liability insurance is highly recommended for property and automobiles. Worker's Compensation Insurance is state-required when you have employees.

Part of the decision about what insurance to buy depends on the nature of the business. For example, if it has a lot of assets, it might consider theft and property damage insurance. You may want life insurance on you and other critical personnel in your organization.

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There are 3 ways to get rich: 1) Earn it, 2) Win the Lottery or 3) Sue somebody. We have all heard of the bogus law suits such as the McDonalds hot coffee cases. Or the robber that was robbing a school, got hurt and sued the school and won. Statistics show you are 3 times more likely to end up in court than in the hospital.

Why Do I Need Liability Insurance? It does not mean you are at fault. It’s not about the 1,000 of 1,000 of customers that don’t sue you it’s about the one that does. Can you afford to protect your self against a $1,000,000 law suit.When a person sues you they pay nothing up front. The attorney gets paid from the money they win in the law suit. You on the other hand have to pay for a retainer up front. It is not about being right or wrong it is about which lawyer is the best sales man.

If I run a internet business do I still need commercial insurance? It would fail under cyber liability insurance. My business career started in network marketing. There has been situations where one person never went to trainings and did not do what was required and they tried to suie their sponsor. The case got thrown out of court. What would of happen if it went to trial. Even through they were a millionaire they would of had to pay 1,000’s of dollars to devefend them selves.

Fill out the form below and we will compare insurance companies rates by covergae. And find the best policy for you.