It is very hard to find the right business insurance coverage as there are numerous types of business insurance policies available in the market. Businesses face several risks in almost every operation and thus it is crucial to have a proper insurance policy to safeguard your business.

At Laurenceau Insurance, we can assist you in getting the right insurance coverage to ascertain protection against your hard-earned investments. No matter, whether your business is big, medium or small; we have diverse business insurance plans and hence we are sure to offer the right policy that fits your business and your budget.

Business Property Insurance

Property insurance should include a broad form of coverage to protect you from a wide variety of losses. Your insurance should include:

• Buildings: Coverage would be required here if you own the building your business occupies. In the event you lease premises, your landlord should provide this coverage.
• Business personal property includes your tables, desks, chairs and equipment. Also, you will want to include the tenant's improvements you might make to leased premises. An example would be a room divider you add, or a display case, or a custom built counter that forms part of reception area for your clients.
• Loss of Income

Liability Insurance

A Comprehensive General Liability (CGL) policy is designed to provide coverage to third parties for the following:

• Personal and Advertising Injury
• Fire Legal Liability, which is often mandatory if you lease your premises. This protects you in the event your negligence results in damage or loss to your landlord's property. For example: you mistakenly leave a small electric space heater running and go home for the evening. During the night, the heater shorts and starts a fire, resulting in fire and smoke damage to your landlord's building. In this case, the negligent act of leaving the space heater on caused the loss. This is where Fire Legal Liability protects your investment.
• Products and Completed Operations
• Medical Expense or Medical Payments
• General Liability for your premises

Worker's Compensation Insurance

If your business has employees, worker's compensation insurance will be mandatory. Startup operations typically find that the State Compensation Fund can accommodate your needs. As the business grows, you can then "shop" for better prices for the coverage. In addition, some worker's compensation insurers provide additional services such as risk management and loss control services that may be beneficial to your business operation. These services are typically helpful in holding down claim costs over the long term. Do not confuse risk management with your taking part of the risk. The insurance company should assume 100 percent of the worker's compensation insurance risks.

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