Small business insurance is a blessing in disguise. This is because of the varied features of this cover. Apart from the public liability insurance and employer?s liability insurance that covers the loss and damages of the public and employees, insurance coverage is provided for every risk that the small business may face.
It covers the business premises so there is no issue of property to be damaged. Any loss or damages that third party does to our business premises may be compensated with this policy.
Any instruments that may be kept in the business premises are covered. Damage caused to the instruments by the employees or outsiders are all covered with the small business insurance.
Life and health insurance policies are both included in the small business insurance policy. The death of the insured, which is mostly the entrepreneur, will be compensated by the amount for which insurance policy is taken.
Apart from the employees that are working in the company, there may be some workers who have workers? compensation benefit policy to their name. This workers compensation insurance policy gives compensation to the insured?s workers for any injury or damage that is caused to them while they were at work.
Disability of the entrepreneur to work due to any physical injury is compensated by way of a certain decided sum which will be paid to him monthly. This sum is calculated based on the premium that one pays in the policy.
With so many risks covered in small business insurance there is no reason that we should not be the one to benefit by it.
Source: http://www.theinsurancereviewsblog.com/risks-that-are-covered-in-small-business-insurance-558.html
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