Business Insurance Mississippi

Aug 05, 2019 (0) comment

Business Insurance Mississippi

Business Owners policy, commonly called a “BOP”, contains many of the insurance coverages needed by most small businesses. While these policies are not standard, there is great variation from insurance company to insurance company; there are certain common elements. The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

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Some, but not all of the policies, will also offer business income and extra expense protection after an insured loss. BOP policies do not contain all of the coverages needed by a small business. Notably they do not cover any workers’ compensation, professional liability, or business vehicle coverage

As a business person, you have invested a lot of time and money to see your business grow and it would only be wise if you protect your investments with a commercial insurance coverage. Commercial insurance should be among your essential aspects of your business operations, and it is necessary to safeguard your business assets and employees.

Coverages Offered

A business insurance policy comes in different forms and covers many needs. Many factors determine the type of coverage you will take, and the amount you will pay for it and one of those factors include the nature of business. Some of the coverage that your business needs include:

Property Insurance – This covers the building and inventory of your business

Liability insurance – Whenever you have visitors coming to your business premises, you are considered responsible for them. The general liability insurance covers your firm in case an injury occurs to the visitors inside your property. It also covers your legal defense in the event of a lawsuit. Also if your products cause harm or financial loss, you may need liability coverage.

Commercial auto insurance – Any auto insurance claims can be frustrating for a business if it is not well insured. If you have company owned vehicles, you will need commercial auto coverage.

Workers compensation – Your employees require this type of coverage to cover their medical expenses in case of an illness or injuries that happen in the workplace

Business interruption – If there is a property loss or an event that causes a downtime or disruption, this coverage protects you and covers the lost income

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For more information, call us at 1-888-851-5572. If you would like to receive a fast and free quote, visit us on our webpage!

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