Insurance for business

Submitted by Anonymous (not verified) on Wed, 04/25/2012 - 07:21

I am searching for a business insurance policy. I want to know that does a property insurance cover all risks for the business? Or do i need to get separate coverage for fire, flood or earthquake damages? Do I even need glass insurance, if my property is covered?

Posted: 26 Apr 2012 01:46 Post Subject:

You may read or hear about "all risk" property insurance. This means that insurance policy, in the property coverage part, will have a section entitled "exclusions". This section will list the causes of loss that are not insured by the policy. Among the various exclusions are earthquake and flood. Insurance is available, if your business is located in an area that is subject to earthquakes and/or flooding.

A business owner that is a tenant in a building would not need plate glass insurance unless the lease agreement requires the tenant to be responsible for the repair or replacement of damaged plate glass windows. :)

Posted: 27 Apr 2012 06:01 Post Subject: insurance for business

Well, thanks for the help. I'm not a tenant. I have set up my business in my own building. Will an all risk property insurance not cover for the glass damages then? Or do I need to get separate coverage?

Posted: 27 Apr 2012 02:38 Post Subject: business insurance

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Posted: 27 Apr 2012 04:04 Post Subject:

Yes, a conventional insurance policy purchased to insure your building includes glass coverage since plate glass windows are part of the building. However, there are unconventional insurance policies that may limit or eliminate plate glass damage therefore, it is recommended to read your policy or check with the insurance agent that sold you the building insurance policy. :)

Posted: 29 Apr 2012 03:30 Post Subject:

Commercial plate glass coverage in some standard policies is limited to 100 square feet. Additional coverage would be needed for larger areas. Your agent should be able to determine your need. You absolutely need to READ YOUR POLICY to know what is and is not covered, and to what extent. Can't always rely on the words of the agent.

Posted: 30 Apr 2012 07:20 Post Subject: commercial insurance

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Posted: 30 Apr 2012 03:06 Post Subject:

Among the various exclusions are earthquake and flood.


These are homeowner's exclusions, not Commercial property exclusions. Flood may be excluded in the more severely located flood zones, but earthquakes are covered even here in California.

Commercial property policies provide much broader coverage than homeowner's policies. Nevertheless, there are exclusions, of which the consumer needs to be aware.

Posted: 28 May 2012 06:09 Post Subject:

There are some insurance plans which are ready to help owners, you can look into the most desirable kind of concepts which are more and more suitable for kind of business we are in.

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Posted: 06 Jun 2012 04:59 Post Subject:

Hi Yes Property insurance provides protection against most risks to property, such as fire, theft and some weather damage.

Posted: 06 Jun 2012 05:22 Post Subject: business for insurance

I want to suggest for business for insurance from Heliosprotection group from united states...This type of insurance for help protect for business and provides protection against most risk to property

Posted: 16 Aug 2012 07:40 Post Subject: hi,

property insurance is well enough for covering all the risk in buliding and also property containing in that building..

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Posted: 05 Nov 2012 10:45 Post Subject: Insuring your business

Hi, here a few common types of insurance to protect your business.

Cyber Liability Insurance is now widely acknowledged as cyber crime that is the fastest growing sector of global organised crime, increasing at a rate of 40% per year. Cyber Liability addresses the first- and third-party risks associated with e-business, the Internet, networks and informational assets. Cyber Liability Insurance coverage offers cutting edge protection for exposures arising out of Internet communications. Risks such as hacking, information misuse, fraud and virus transmission can lead to lost business, damaged networks, expensive lawsuits, and tarnished reputations.

Commercial Combined is a type of insurance which covers a client’s material risks and also caters for employers’ liability and public/products liability.

The type of companies who will benefit most from Commercial Combined insurance include the manufacturing industry, warehouse and distribution and wholesale companies as well as marine cargo and high risk specialist trades.

Property Insurance Insurance protects a person or physical property against its loss or the loss of its income-producing abilities.

• Commercial Property Insurance covers everything related to the loss and damage of company property such as wind and hail storms, fire, smoke, civil disobedience, and vandalism. Also includes lost income, computers, business interruption, buildings, company papers, and money.

hope this helps.

Posted: 18 Nov 2012 04:35 Post Subject:

You first need to determine the best sort of coverage, carrying the right kind of insurance is required in the early stages of your business plan. You need to consider who is it insuring, your company, your employees or the entire business. The general coverage is risk based for the type of business that you own. As a small business, you are likely to assess the possible implications and is filled by you and not a risk manager, so here are a few tips to help you catalogue the right kind of insurance for your business.

Insurance is available for almost everything imaginable and for every possible risk your business might come across. The cost of coverage can vary depending on the amount of coverage among insurers, but many offer insurance packages or business packages that combines several contents covers for small professional businesses at a single price that is usually lower if the options was purchased separately. For Commercial & Property Insurance, you should also determine what you need to comply with the law, and watch what you budget allows.

Posted: 11 Dec 2012 01:06 Post Subject: Business Insurance

Your business will require liability and potentially property insurance. If you are renting a space, chances are you will only need liability insurance. Check with your insurance broker o determine the type of insurance you require.

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