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Kapasu Insurance Services Inc. Blog

Four Types of Insurance To Consider For Your Business

4/13/2020

22 Comments

 
Picture
Businesses are dynamic. Times change, the economy evolves, and even the customers are unpredictable. Every year, each one of the active enterprises takes time to reassess their position. One of the things they consider – their protection coverage.

One of the toughest decisions a business owner has to make is the decision to protect and take care of the business, employees, and the products
​
Insurance coverage for a business is not just a one-time consideration.
4 Coverage for Major Concerns
  1. General Liability Insurance
    General Liability Insurance is the most fundamental of all business insurance. Every business can take advantage of its coverage. This type of insurance covers primary injuries and damages like slip and fall accidents, damage to other assets. It also includes possible libel and slander charges.

    It covers the risks of interacting with the general public. If you say something offensive, or injured someone and damaged something, this is the coverage for it.

  2. Professional Liability Insurance
    Professional Liability Insurance covers charges from dissatisfied customers. This insurance is a specialty coverage for high-risk specialties such as physicists, lawyers, or accountants where one blunder can cause thousands of dollars loss to the clients.

    Being blamed for someone else’s mistake can be troubling. Professional Liability Insurance can also cover you for such events.

    Some clients would even require that you are covered by such before they trust you with their business.

  3. Worker’s Compensation Insurance
    One of the most frequent discussions between employers and employees would be compensation. Workers would have to fight for their rights in case they are injured and unable to work for some time. This insurance is the enterprises’ way of finding the middle ground. If a worker gets injured at work, this policy covers their medical expenses. In return, the worker cannot sue the company if they accept such coverage.

  4. Property Insurance
    Every business owner who invested in assets would want those protected. Property Insurance takes care of the unforeseen need for repair or replacement of damaged property.

    Your Property Insurance can also offer Supply Chain Interruption coverage. Supply Chain Interruption Coverage is for loss of income when your main product or supply is affected by any peril stated on your contract.

When you want to take care of your business, and it’s legacy, it would be best to find the most comprehensive insurance coverage that can protect your business, employees, and its future.

At Kapasu Insurance Services Inc, 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 (760) 995-3853. Get your free quote today by CLICKING HERE.
22 Comments
Taylor Hicken link
3/21/2021 08:36:02 pm

You made a good point when you shared that it is best to acquire the most comprehensive insurance coverage that can protect your business. In this way, you can be assured that your business, employees, and products are taken care of. I would like to think if someone is thinking of starting a company, he should consider looking for a reliable provider that can offer comprehensive insurance coverage.

Reply
Sarah Smith link
3/22/2021 07:16:06 pm

Thanks for explaining that professional liability insurance is especially helpful for physicists and lawyers. My husband is almost done with law school. I'll tell him to make sure he finds a liability insurance provider.

Reply
Chris Pederson link
4/13/2021 11:57:45 am

It's good to know that slips and falls are covered by general liability insurance. The last thing I want is to get hurt in an accident and then not have any way to pay for it. Going bankrupt while having a serious injury sounds like a terrible way to go about my everyday life.

Reply
Kristofer Van Wagner link
4/14/2021 09:45:33 pm

Thank you for pointing out that it is important for us to get the proper insurance for our business. It makes sense as it will impact our business and protect its employees. Since I am planning to start a business in the near future, I will be mindful of the relevant insurance that my business will require.

Reply
Adam Golightly link
5/5/2021 03:49:42 pm

I can see how a business could really benefit from getting the right kind of insurance in order to have the right kind of protection. Making sure that they can get some help from a professional could allow them to be a lot safer. It was interesting to learn about how they can cover the risk of interacting with the general public, primary damages, and injuries to make sure that they are safer.

Reply
Eve Mitchell link
5/26/2021 09:50:59 am

I would imagine that insurance for your business is super important. thank you for sharing info about general liability insurance. I will definitely make sure to remember this info!

Reply
Newman Le link
5/30/2021 08:39:24 pm

Thanks for sharing info. If you need a place to read, compare and save on Insurance, you can connect to us at https://bestinsuranceonline.ca/.

Reply
Walter Gonzalez link
6/12/2021 11:52:35 pm

I have small business of steel factory. I was thinking about to purchase insurance. In your article, you share different types of insurance. Which was beneficial to me to taking decision. I am interested to “Worker’s Compensation Insurance” thanks for sharing this article.

Reply
beverly minyard link
6/24/2021 09:06:27 am

The fact that General Liability is for the general public, like customers in stores, is really helpful information. My dad is starting his own business so he was looking for insurance and wasn't sure what he needed and this article definitely helped. I will 100% share this with him right now so he knows about general insurance, thank you for the info!

Reply
Kristofer Van Wagner link
6/29/2021 11:29:18 am

I appreciate that this post highlighted that when planning a business, it is important for us to consider all the necessary insurance. My sister mentioned that she is looking to have her business set up. I will definitely advise her to look a personal insurance as well as workers compensation insurance.

Reply
Mia Evans link
7/26/2021 05:56:08 pm

Thanks for helping me understand that liability insurance would be able to cover any issues such as mistakes done by others on your property. I guess business owners would really need this because there are unforeseen events that can happen. It can be caused by customers or even natural disasters, so they have to be protected.

Reply
Mia Evans link
7/26/2021 08:35:37 pm

Thanks for helping me understand that general liability insurance would be able to cover any primary injuries and damages in their property. I can imagine how important it would be for businesses to have this coverage. We can never know if there can be incidents of slip and fall that can injure customers especially in restaurants since there would be spilling or droplets of liquids on the floor.

Reply
Millie Hue link
7/30/2021 08:00:00 pm

I like that you pointed out that liability insurance covers charges when there are dissatisfied customers. I guess businesses should really avail this kind of coverage especially when they own food business. It would be useful especially when it also affects their health such as instances of food poisoning.

Reply
Chance Cook link
8/11/2021 05:44:29 am

I didn't know that general liability insurance deals with slander charges too. From what I understand, businesses get sued often. So smaller businesses need this protection as soon as possible to deal with minor charges and more serious ones.

Reply
Braden Bills link
8/11/2021 06:20:00 am

My friend wants to make sure that his business is protected. It makes sense that getting the right insurance plan would be important! That seems like a good way to ensure that he can be covered just in case there are any issues that come up.

Reply
Braden Bills link
10/7/2021 05:52:30 am

My friend wants to get his restaurant put together properly, but he's not sure how to handle it. It makes sense that he might want to get a good insurance plan. I'll be sure to work with a professional to ensure that I handle things right.

Reply
Hailey Miller link
1/3/2022 11:10:19 pm

Thanks for pointing out that one of the toughest decisions a business owner has to make is the decision to protect the business and employees. I would imagine that any business owner would want to avoid incidents that can affect their operations. I think they should look for business insurance that can also protect their property as well as the inventory inside their facilities.

Reply
Eli Richardson link
4/1/2022 02:07:40 pm

It's great that you talked about insurance for businesses and how there are different types. The other day, my sister said she's interested in moving to our family's land and starting a farm on it. I believe that, like, any business, a farm might need to have an insurance plan, so I'll be sure to talk to my sister about it. Thank you for the advice on how to protect your business from financial distress.

Reply
Victoria Addington link
4/5/2022 06:34:56 am

It captured me the most when you mentioned that worker’s compensation insurance covers medical expenses when an employee gets injured at work. My friend just started a business, so she's looking for the best business insurance coverage. I think she should turn to an insurance provider that offers a tailored policy.

Reply
lihabi link
6/27/2022 08:15:10 pm

thanks for the information, very inspiring

Reply
Charlotte Fleet link
7/29/2022 03:12:56 pm

Thanks for explaining how property insurance can cover unforeseen damages that need repair at your facility. My husband wants to make sure that his new business is adequately covered and protected. I'll make sure that he includes property coverage in the insurance policy he chooses from a reputable company.

Reply
Buy Patents link
1/30/2023 06:29:01 am

By having this insurance, you will be able to protect yourself from any potential lawsuits that may arise from dissatisfied customers.

Reply



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