业务

As a business owner, you take calculated risks every day, to keep your business thriving. 但是那些你没有考虑到的风险呢? 业务 insurance is an excellent way to allow you to concentrate on profit, 不会被意外的负债和资产损失所蒙蔽.

Regardless of your industry, business insurance protects you in many ways:

• 与财产损失有关的费用
• 业务中断风险
• 诉讼保护
• 受伤工人索赔

The costs associated with a business insurance policy are small when compared with the large risks you’re protecting against.

If you currently rely on property insurance you are protecting your assets, 但不是业务本身. 如果你的生意中断了或者发生了诉讼, you need business interruption or liability insurance to ensure that you keep going.

Our insurance offerings are a collection of insurance policies a business owner may utilize to guard against some of your greatest business risks. They may shield you from losses arising from property, employee, or customer claims.

以下是你应该立即开始的原因! 

1. Your business is valuable; don’t let another day go by without shutting the door on risk.
2. It’s easy and quick to get a no-risk quote for a business insurance policy. 填一下这个 简单的形式，我们会与您大发dafa888澳门.

业务 owners have a task to minimize their business risk through the decisions they make every day. Still, there are unforeseen events that even the most careful planning cannot hedge against. 业务 insurance protects your business against risks that occur during operations.

Taking out business insurance protects the business from financial exposure arising from injuries to employees, 违反合同, 专业疏忽, 或者业务中断.

Each business faces unique risks, which informs the nature of business insurance they need. 这里有几类商业大发888dafa.

责任大发888dafa至少有四种不同的类别.

General liability policies cover a range of contingencies that could cause lawsuits against a business. A manufacturing enterprise that hosts visitors frequently might protect against bodily injuries caused to visitors in case of an accident. Major construction firms could cover themselves against damage to other people's property. General liability policies are also called commercial insurance policies.

Advertising agencies and news publications need commercial insurance against lawsuits arising from causing reputational harm to third parties. This is covered under commercial insurance because those risks are likely to happen in the ordinary course of their business.

公司的高级管理人员可以参加我们的董事 & Officers 大发888dafa to protect their assets from claims by the shareholders or employers they work for.

Professional 责任大发888dafa protects professionals from risk arising from mistakes such as negligence, 误传, 以及不准确的建议.

This is a business insurance policy to protect the commercial building from where the business operates and its assets. 它承保的风险范围很广, 包括火灾, 盗窃, 风暴造成的损失, 恐怖活动, 以及其他不可预见的事件.

一些州要求企业主参加工人赔偿大发888dafa. This helps businesses to pay employees benefits in case of illness or injuries. 然而, employee insurance can extend to include compensation for permanent disabilities to employees or to cover funeral expenses in case an employee dies when handling job-related activities.

Sometimes, the business might face lawsuits from the family of an injured or dead employee. 雇员大发888dafa单有助于支付所发生的费用.

商业大发888dafa单的大发888dafa范围是什么?

A commercial insurance policy protects the business against loss arising from the core activities of the business. It covers damage to business property, injuries to employees, injuries to third parties, and more.

许多保单都属于商业大发888dafa范畴, 包括海上大发888dafa, 工人的补偿, 网络风险大发888dafa, 还有火灾大发888dafa. 承保风险的组合决定了你的商业大发888dafa报价.

商业大发888dafa不包括什么?

商业大发888dafa一般包括责任和财产损失. It does not cover professional liability that accountants, doctors, and lawyers normally face. 商业大发888dafa不包括更换破旧机器的费用. Commercial insurance also doesn't cover business interruption due to such things as storms. 它只会赔偿财产损失，但不会赔偿收入损失.

个人大发888dafa和商业大发888dafa有什么区别?

Whereas commercial insurance protects a business from liability or loss occurring during money-making ventures, 人身大发888dafa承保日常生活中发生的各种风险.

个人大发888dafa单的例子如下:

• 个人健康大发888dafa
• 汽车大发888dafa
• 人寿大发888dafa

商业大发888dafa单的例子有:

• 雇员补偿大发888dafa
• 商业财产大发888dafa

我的生意需要商业大发888dafa吗?

The cost of commercial insurance policies is quite affordable in relation to the amount of peace of mind it affords business owners.

If your business has employees whose normal work carries the risk of injury, 你需要一份商业大发888dafa单. 类似的, 如果你的企业使用昂贵的专业设备, 你需要一份商业大发888dafa单 to protect against damage during use or other unforeseen events, 比如盗窃或火灾.

What are the potential risks my business is protected from with a commercial insurance policy?

Commercial insurance will cover your business from risks that normal businesses face in operations:

• 盗窃
• 火
• 营业财产损失
• 因雇员受伤而引起的责任
• 由财产引起的第三者财产责任

Figuring out the best insurance policy for business owners can be a challenge owing to the many risks a business faces. 业务 owners also need to understand the applicable state laws on insurance. 如果你是俄克拉荷马城的企业主，不要担心. CPC 大发888dafa will help your business understand the various mix of options available. Find out more or even get a commercial insurance quote through our website.