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Agency Blog

Learning the Types of Insurance: A Business Owner’s Guide

9/22/2020

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​Managing one’s business is not easy. You might face various challenges when it comes to maintaining customer and employee satisfaction. Moreover, unexpected incidents may arise and catch you off guard, in times like this, it is better to be prepared with an insurance policy. As a business owner, you should learn the types of insurance to be guided in managing your business. Here are the types of insurance every business owner should learn:
Insurance for General Liability
Even small businesses must have insurance for general liability since it can aid in case of lawsuits against you for personal injury that occurred in your business. Similarly, it can be used in case your products caused harm and injury to consumers. The expenses of hospital treatment and medical needs are also covered by this insurance.

Insurance for Workers Compensation
This should be considered as one of the vital needs of your business insurance policy. Since there is a risk of injury to employees while performing their job, this coverage shoulders the employees’ medical fees and benefits. It simultaneously protects your business since when it is received by the employees, their rights to sue the business owner is waived.

Insurance for Commercial Property
This type of insurance can be selectively chosen by business owners according to the needs of their business. It can be customized to fit what you need.

Insurance for Loss of Income & Business Interruption
In cases of severe damage to property which requires businesses to close temporarily, income generation is aided by this insurance which makes up for the financial losses.

Insurance for Cyber Liability
To avoid possible breaches in technological data utilized by the business, having cyber liability insurance is a must. This prevents data leakage and computer hacking and covers investigation expenses during lawsuits concerning cybercrime.

Policy for Business Owners
Some business owners prefer purchasing a bundled package such as the policy for business owners which combines multiple coverages under a single deal.

Conclusion
There are many risks when it comes to managing a business, but learning the types of insurance can help you in handling your business better. Considering the different components of each insurance type and the potential risks your business might face in the future can aid you in making the insurance package that is right for you.

At Brad Spurgeon Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (409) 945-4746. Get your free quote today by CLICKING HERE.
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Brad Spurgeon Insurance Agency Inc.
1118 14th Street N
Texas City, TX 77590
(409) 945-4746​
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Galveston, TX 77554

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