Small business owners have a lot going on, and it’s easy to let something like business insurance fall to the bottom of the list. However it’s important to protect your business from claims and lawsuits, after all you work hard to run your business and invest a lot of your time to make it successful. It would be a shame to lose it.

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Even as a business owner of an LLC you need to be insured. While the LLC protects your personal assets in the event of a suit or claim, your business assets are still at risk, business liability insurance will protect your business’s assets.

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The cost and type of business insurance you need will depend on the industry you’re in, the size of your business and the number of other factors which will determine your business insurance requirements.

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For example, most businesses will need general liability insurance which covers someone else’s claim of bodily injury, property damage, or personal injury. This means if some gets hurt at your place of business, or their property is damaged, you’re covered.

Professional liability insurance covers your professional services or advice. This is sometimes called errors and omissions insurance because it covers something you did that you shouldn’t have and those things you should have done but didn’t. Professional liability insurance protects you and covers your defense costs even if the claim against you is found to be without merit.

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If you have business equipment, like computers or tools, you may consider a business owners’ policy (BOP) which combines general liability with coverage for you business property.

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But don’t worry, insurance is what we do and we are here to help you navigate your options when it comes to protecting your small business. Most of all we will work for you to make sure get the right coverage at the best price for your business.