Best insurance coverages for your business

Most home-based businesses are often overlooked. While many people in Pittsford NY buy homes with a small office, very few people consider purchasing insurance for a home office. In most cases, they assume that a home insurance policy provides full coverage. However, the kind of business you run heavily determines the amount of coverage you need. For instance, a full-time home-based business may require all the coverages that a typical business need. If you are running a home-based business Bajorek Agency Inc. can guide you through the coverages you need to protect yourself, your family and your business. So which coverages should you buy?

General liability: Running any business requires you to have general liability coverage to protect you, your employees and other customers from injuries and lawsuits that may result in your business premises. If you have visitors and clients coming to your home, liability coverage can help protect your home from loss or damage that may result from the accident.

Business property: If you sue various equipment in your home-based business, you will need to buy insurance to protect them. Whether you have furniture, computers, fax machines or printers, this coverage can help replace or repair them in case of a loss or damage.

Professional liability: Most home-run businesses involve an individual selling their professional skills like art, graphic designing, photography. If your business involving offering professional service to your clients, you may need to have professional liability coverage to help protect you against lawsuits that may come as a result of failure or negligence

Product liability: If your business supplies products to customers, then you need product liability coverage to protect your goods from damage or lawsuit as a result of a product that caused harm to a customer.

Running a business from the comfort of our homes is everyone’s dream. With proper coverage and certification, you can work while keeping all that matters to you protected. For more information, speak to us at Bajorek Agency Inc. today!

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