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What Types of Business Insurance Does Your Start-Up Need?

By Reata Insurance Group Archive, Business, Startups Comments Off on What Types of Business Insurance Does Your Start-Up Need?

What Types of Business Insurance Does Your Start-Up Need?

Get these essential commercial coverages for your small business. 

If you are running a start-up company, then it’s important that you get the right business insurance to fit your needs.  However, with all the coverage option out there, it can be difficult to narrow down your selection.  Don’t stress; here are some of the most important types of insurance for your business.

1) Commercial Property Insurance

Commercial property insurance covers physical damages or losses caused by theft, vandalism, fire, or extreme weather events.  This coverage normally extends to the buildings, supplies, equipment, and inventory that your business owns.  In some cases, commercial property insurance will even cover your business’s important files and documents.

2) Commercial General Liability Insurance

If your business is ever found liable for causing bodily injury, personal injury, or property damage to another party, then commercial general liability insurance will cover the cost of medical costs, repairs, or replacements.  If such claims turn into a lawsuit, then this type of insurance would provide coverage for your business’s legal and settlement fees.

3) Workers Compensation Insurance

Finally, any business that has employees needs to have some form of workers compensation insurance.  Workers compensation provides coverage if an employee is injured or becomes sick while on the job.  This type of insurance will cover the medical costs, rehabilitation expenses, and lost wages of an injured employee.  However, workers comp isn’t just helpful for employees.  Should an injured employee decide to sue your company, then workers comp will cover the costs of your legal defense.

These are the must-have types of commercial coverage that your start-up business will need.  If you need assistance with getting your business the coverage it needs, then contact the experts at Reata Insurance Group.  Our dedicated team is ready to assist you with all your insurance needs.

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