Erica Bottaro: If you are in business, you need insurance. You have to make sure that you have the right amount of policies to protect your business. If you have a small business, you may need property and liability insurance. Insurers often combine number of coverage into package. The advantage of a package policy is that it offers a broad variety of coverages for small businesses at a price that is usually lower than if the same coverages were bought separately.
Kim Gerbino: Call an independent insurance agent. They represent more than one company so they may have access to companies that offer what is called a Business Owners Policy (BOP) for Internet based companies. The BOP policy offers comprehensive coverages in a single package policy. The premium will be determined by what coverage you need. For example do you have inventory that should be insured? Does the product you sell have a potential to injure someone? Are you offering professional advice? Do you hav! e a place of business or office premises? You may need workers compensation if your employee is full time.These are the kinds of questions an agent will ask in order to prepare a premium proposal.You can find an agent in your area at:http://www.iiaba.net/agentlocator/findagent.aspx...Show more
Joie Libutti: The business insurance will be based on the potential liability of the company. If you deal with customers over the net you may need protection from ID theft and pirated information. If you simply supply products on line there may need to be shipping insurance. If it is an employee other than yourself, you may a sureity bond or fraud insurance. You will need to see an agent that specializes in small businesses and tailor a policy to your specific needs!
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