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What insurance do you need for your small business?

Mosaic Insurance can help you with all the insurance you need for your small business in PrescottYou’ve just started a small business and you’ve put many hours and dollars into your company already. Branding, logos, products, employees, and where to locate are some of the major decisions you’ve had to make. Mosaic Insurance wants to make sure you also consider what insurance you’ll need for your small business in Prescott, and they offer these suggestions.

With so many aspects to consider about insuring your small business, the first decision should be enlisting a professional to guide you through the process. Here are some types of insurance that should be on your radar:

General Liability: This is the most common business insurance. It protects you, your business, and your employees from claims due to accidents where a non-employee is injured either on your premises or as a result of your products or services, and property that is damaged as a result of your business operation. If you’re sued, general liability covers the insurance investigation, attorney expenses, a potential settlement, and medical expenses in the case of an injury.

Workers’ Compensation: This insurance is a necessity in case an employee is hurt on the job. It covers wages and medical benefits to the injured employee, in exchange for their agreement not to sue the employer.

Commercial Property Coverage: This insurance protects your company’s equipment, supplies, furnishings and inventory in the event of theft, damage, fire or in some cases, a natural disaster.

Business Owner’s Policy: This is a specialized policy that bundles general liability and loss of business income if your business has to close temporarily due to certain causes. Have your agent clarify what exactly you are covered for under this type of policy.

Product Liability Insurance: If you are an online retailer, this is coverage you will want to make sure is part of your package. It protects you against claims resulting from faulty products or products that have caused harm or injury to a consumer. An added step would be to include appropriate instructions and warning labels on products to defend against unwarranted claims.

As you consider what insurance you need for your small business in Prescott, trust the professionals at Mosaic Insurance to guide you to the right coverage and help protect your investment. Contact Mosaic Insurance today at 928-458-7374 for an insurance review.



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