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Crucial Types of Business Insurance for Startups

    Home Archive Crucial Types of Business Insurance for Startups
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    Crucial Types of Business Insurance for Startups

    Crucial Types of Business Insurance for Startups

    By northstarins | Archive, Commercial Insurance | Comments are Closed | 24 August, 2016 | 0

    Business insurance for startups doesn’t have to be complicated. This guide will get you started!

    Attention entrepreneurs. You’ve got a lot to think about while launching your business, and insurance is definitely on one of your lists. If you’re feeling overwhelmed, don’t worry! We can simplify things for you. Here are three types of business insurance for startups that you’re definitely going to need.

    General Liability Insurance.

    It’s not fun, but it does pay to consider worst-case scenarios so you can defend against them. What if someone sues your business for bodily injury or property damage? It happens all too often – a client slips in your reception area, and you’ve got a lawsuit on your hands. Fortunately, general liability insurance can help you cover the costs of a lawsuit.

    Commercial Property Insurance.

    If you own your business location, think of this like home insurance. You’ve invested a lot in purchasing your property, and it needs protection. But even if you’re renting, this is necessary protection. It insures your equipment, inventory, furniture, etc. against a wide range of potential issues.

    Workers’ Compensation.

    If you have even one employee, workers’ compensation is a must. And not just because it’s legally required in California, either. Without workers’ comp, you’d face an extremely difficult decision after an employee gets injured; do you cover his or her medical bills and lost wages but risk your bottom line? With workers’ compensation, the decision is easy because your policy picks up the tab.

    If you want to make things simpler, you can also consider a business owners policy. You’re familiar with the way bundling your home and auto insurance policies helps you save money, and it’s the same concept. A business owners policy bundles general liability and commercial property coverage into one policy, helping you save money.

    On top of these basic types of coverage, your startup will most likely need some additional kinds of protection to address its unique risks. Contact NorthStar Risk Management & Insurance Services, Inc. in Walnut Creek, California to talk to a dedicated agent. We’re well-versed in business insurance for startups and can create the right insurance program for you.

    business insurance, California, NorthStar Risk Management & Insurance Services Inc., startups, Walnut Creek

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