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About Small Business Insurance

America is the land where dreams really do come true. The spirit of entrepreneurship is alive and well in our capitalist system. Every day, students decide to pursue their dreams by starting a small business. Of course, the possibility of great reward also comes with a lot of risks. This is why small business insurance should be your very first purchase.

There are a lot of variables to consider and just thinking about it can be overwhelming. Let Insuravita be your guide! We recommend checking out our various articles about small business insurance. For a short debrief, read on!

The Business Owners Policy, otherwise known as BOP, just might be your best option. This is a bundled plan comprised of a few different types of policies that are usually acquired on their own. This option offers you more bang for your buck. So, you have comprehensive coverage with more affordable premiums.

What does the standard Business Owners Policy provide? Below you will find descriptions of some of what is included.

Commercial liability insurance, which helps a business owner if a customer is injured in the home and sues for his medical care. Coverage extends to hospital and physician expenses, as well as defense costs. In addition, it can benefit the business if there's “advertising injury” associated with claims such as copyright infringement, libel, and defamation.

Home coverage, which covers the owner in the event that you incur property damages in a home business or rented space.
Business interruption insurance, which assists the insured in the event of weather, cyber hacking, and/or other happenings that interrupt the normal running of the business enterprise. This insurance will pay for business loss or provide for another temporary property for operations until the permanent site has been repaired.

The great advantage of owning a Business Owners Policy is that the normal coverage may be tailored to your unique needs as a business proprietor. When it comes to your small business, it is critical that you get coverage customized to your needs. Every business is different, so you cannot settle for a cookie-cutter policy. If you are thinking of starting a company or already have one, this should be your first order of business. Click here for a quote to take the first step to a secure, successful business.

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