Provide benefits to your employees and protect your business when a work-related injury occurs.
Protect your business from liability risks resulting from professional services, advice or recommendations provided by your business.
Protect your business from liability risks if an employee should claim wrongful employment practices.
Flexible coverages such as Fidelity and Crime, Fiduciary Liability, Kidnap & Ransom, and Directors和Officers for your business.
Each project you work on is unique - and your insurance coverage should be too. Your clients depend on you to deliver on deadline and minimize the potential for design errors, and you can depend on us to provide a complete suite of property and casualty coverages to help protect your business and employees throughout the process.
You work hard to keep your clients looking good, but we think you deserve a little attention yourself – like protection designed to make barbers, beauty salons and day spas look and feel their best.
Unlike our furry feline friends, your small business doesn't have nine lives. Our policies are designed to protect the needs of businesses like pet groomers, pet stores, and veterinarians – because our four-legged friends count on you.
Matching your customers with the right product is vital to your success. It's vital to ours as well! From florists to hardware stores, we provide solutions designed to meet your retail store needs.
Service businesses, including dry cleaners, funeral homes and photographers, are near and dear to our hearts. We are kindred spirits in our pursuit to deliver tailored solutions for the real-world needs of our customers.
Step one to keep your clients' technology up and running – you need to be up and running too. Don't get your circuits crossed – get the key coverages IT consultants, software programmers and web developers like you need to protect your technology.
小型企业保险常见问题解答 - 小型企业保险101
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。
- 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.
- Health insurance.一个s a self-employed person, you may need to provide health insurance for yourself, your family and your employees.
- 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.
小型企业保险常见问题解答 - 找到合适的小企业保险
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.
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.
There are many factors to consider when operating your own business, including the importance of having property insurance. Here's what you need to know.
Business income and extra expense insurance can help your business meet its financial obligations in the event disaster strikes. Here's what you should know.
Insights & Expertise
一个simple and practical guide to understanding the risks a modern small business workplace faces.
The modern office can now mean workers contributing from remote locations, increased use of mobile technology and environmental changes like having pets in the office. Do you know how these changes pose new safety threats and liabilities for your business?
Sitting at a desk all day can put stress on your body. Learn how to create an ergonomic workstation setup to help prevent injury.
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