小本生意Insurance Products and Solutions

许多新企业主选择被称为企业主政策（BOP）。该政策包括专门为小型企业设计的覆盖范围。

一个boptypically covers three major items:

• Property damage.与房主的保险单相似，这涵盖了对您的建筑物（拥有或租赁），设备，家具，固定装置，展示和库存的损坏。
• Business interruption.如果承保损失袭击了您的商店或仓库，迫使您停止运营一段时间，则收入来源可保护您的业务收入损失。您还可以选择可选的保护，以涵盖您的情况，以防主要供应商受到影响。
• 您的业​​务责任保险。如果您因因损失损失原因而被起诉或承担责任，则承担判决或和解支付的损失以及法律辩护费用。

企业通常需要携带多种保险，并且您的业务保险需求可能是高度个性化的。知识渊博的代理可以帮助您找到正确的解决方案。对于某些州而言，携带保险是必需的。要求也可能因您拥有的业务类型和员工人数而有所不同；但是，在大多数州，法律要求工人的赔偿，强烈建议使用。

除了BOP之外，您可能还需要其他类型的小型企业保险范围，该保险基于您所做的工作，公司的规模和位置。这些可能包括：

• 家庭企业的保险。即使您在家工作，您仍然需要确保您的业务。通常，房主的保险为家庭与业务相关的物业和设备提供了适当的覆盖级。
• 专业责任保险。This may be required as a separate policy, in addition to the BOP, to cover losses related to liability claims arising from mistakes or lapses of professional duties. Businesses offering professional services to their customers will often purchase this type of policy.
• 商业汽车保险。公司拥有的车辆将需要通过商业汽车政策进行保险。
• Health insurance.一个s a self-employed person, you may need to provide health insurance for yourself, your family and your employees.
• 网络保险。基于互联网的企业或在线存储记录的企业可能需要额外的网络保护，以防止数据泄露和恶意计算机入侵的风险。
• 商业雨伞保险。Provides liability coverage beyond the basic business insurance policy limits in the case of a catastrophic auto- or business-related event.

随着业务的扩大，您可能会超越标准企业主的政策，并需要更多的保护。最好每年审查您的保险范围，并确定任何其他保单是否会提供更有益的风险保护水平。

Business insurance can be adapted to your specific business needs. Recommended coverages often depend on the type of business you have and the risk protection your business will need to stay healthy and whole. At a minimum, you should carry business property and business liability insurance – this often comes in the core business owners policy, or BOP. If you've never shopped for a business policy, a Travelers agent can help you sort through the options and suggest policies that best fit your company. You can在这里找到代理商。

Risks, and therefore coverage needs, certainly vary by industry. A knowledgeable insurance agent can discuss which coverages companies similar to yours might carry. You can also view recommended coverage for key industries here.

您的代理商可以根据公司规模和行业建议最佳的责任承保范围。关键是要确保您有足够的覆盖范围，如果出现问题。确保与您的代理商公开谈论您的需求和相关成本，以帮助您为业务做出最佳决定。

一句话，是的。随着业务的增长，与保险代理建立牢固的专业关系将帮助您长期帮助您。选择与了解经营小型企业所面临的独特挑战并花时间了解您的特定保险需求的人一起工作。您的代理商将帮助您根据公司的需求量定制您的保险单，并帮助确保您受到保障。

一个s a business owner, you should always feel comfortable with the amount of insurance you carry. Insurance can help you recover from events that would otherwise threaten your company and reduce the likelihood of staying in business. The key is to ensure you understand the true value to repair or replace what you have. When customizing a policy, your agent should take your location, your industry risks and your personal risk tolerance into account.