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9 years ago · by · 0 comments

Insurance for Your Small Business

Scurich Insurance Services, CA, Managing PeopleStarting your own business is the first step towards achieving your dream of self-reliance and fulfillment in your career; however, the chaos of the world will try to bring your thriving business to the ground. You have the ability to prevent undue damage to your business when you purchase an insurance policy for your small business. There are many different types of insurance policies available for small businesses, which range from covering your business structures to your employees’ inappropriate actions, and you need to know what each policy means for your business

Business Property Insurance

If you experience a natural or man-made disaster, a Business Property insurance policy will protect your business from the associated damages, such as from weather, vandalism, or fires.

Liability Insurance

Liability insurance policies protect you against the majority of your concerns as a small business owner. This type of insurance is used to cover any possible issues involving a third party, which includes customers, landlords, products, and even medical expenses. If you were to have a customer trip over your merchandise, a Liability Insurance plan will protect you.

Worker’s Compensation Insurance

If one of your employees becomes injured while at work, you will be held responsible for medical treatment, lost wages, and pain and suffering. Worker’s Compensation insurance shows your employees that you care about their safety while working while protecting your reputation and finances from these unforeseen expenses.

Excess Liability Coverage

Although you purchase a variety of insurance policies to protect your business, you may find that your policy limits do not cover the financial cost of certain claims. In these cases, an Excess Liability insurance policy will provide a cushion above and beyond your existing limitations of liability.

 Employment Practices Liability Coverage

This type of insurance for small businesses protects you against allegations of discrimination, harassment, and retaliation.

Life Insurance

Life insurance covers you, your business partners, your employees, or your spouse in the event of death by accident or other circumstances. It will enable your loved ones or friends to continue the legacy of your business.

Health Insurance

You may choose to offer your employees health coverage or purchase health insurance for yourself. The options for Health insurance vary in amounts respective of deductibles, copayments, and limitations. However, some changes have been implemented since the introduction of the Affordable Care Act, so please check with your insurance agent to select a policy suited to your needs.
It can be difficult to navigate the available insurance policies you need for your small business. However, it’s better to be protected against an unfortunate circumstance rather than lose your business and hard work.

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9 years ago · by · 0 comments

5 Questions and Answers About Commercial Property Insurance Terms

Storage Fire In Watsonville, CAYou need to protect and insure your business. Accidents happen. Fires, floods, slips, falls, sicknesses and even fatalities. They all happen. Everyday. That’s why no matter what size business you’re running, from a two-man operation or a corporation worth millions of dollars, you SHOULD ALWAYS have commercial property insurance.

Not everyone who is looking for business insurance actually understands what it is, though. Or why they need it. Here’s our brief but informative round-up of information to get you started.

3 Frequently Asked Questions about Commercial Property Insurance

My Business is Brand New…Do I Need Insurance on my Commercial Property Already?

Absolutely. Think of it this way: If you could suffer a loss then you need insurance. It doesn’t matter if you’re on day 1 of business or day 1000…you need the insurance.

If I Work From Home Do I Still Need Commercial Property Insurance?

Yes. In most cases you’ll only be insured and reimbursed for up to $2,500 of damage or loss to business assets that occurr within a homeowner’s insurance policy. It is best to purchase additional insurance and protection under your home coverage or add on a commercial property insurance policy to cover anything over the $2,500 amount.

What Steps Can I Take to Lower My Commercial Property Insurance Premiums?

Every policy and insurance premium is based upon the amount of risk involved. Show high risk and you’ll pay more. Mitigate that risk and you’ll pay less. Here are some simple steps you can take to mitigate the risk and lower the premium on your commercial insurance policy:

  • Have a well-lighted work place (in and out).
  • Keep electrical systems maintained.
  • Install adequate sprinkler and fire safety systems.
  • Teach and preach on the job safety to every employee and keep records of safety training.
  • Keep the minimal amount of cash needed on hand. Make daily or twice daily bank deposits.

Those are our most FAQ and the answers we give. If you have any more questions or require any further detail, please contact and ask.

Source: http://legalzoom.com

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Scurich Insurance Services
Phone: (831) 661-5697
Fax: (831) 661-5741

Physical:
783 Rio Del Mar Blvd., Suite7,
Aptos, Ca 95003-4700

Mailing:
PO Box 1170
Watsonville, CA 95077-1170

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(831) 661-5697

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