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The best small business insurance is insurance you don’t have to think about. Huckleberry gets you excellent coverage in just a few minutes—so you can get back to running your company. Everything’s online, everything’s easy, and you can get an estimate in about 60 seconds.
What are the common types of small business insurance?
Workers’ comp insurance covers any injury or illness related to an employee’s job. If a member of your team gets sick or injured because of their work, workers’ comp will pay out for medical expenses and lost wages.
A full business property insurance policy is actually two coverages. Business property insurance will pay out to rebuild or replace your building if it is ever destroyed or seriously damaged. Business personal property insurance covers movable property inside your building.
Business interruption coverage will pay out a financial benefit if your small business ever has to close for a covered reason. It’ll help you pay for payroll or the cost of renting a temporary location while you work hard to get your business operational again.
What are the other specialized small business coverages?
Professional liability insurance will pay out to cover the cost of a mistake that harms (or negatively affects) a client. It’ll help cover your legal expenses (as well as the cost of a lawsuit payout!) if you or your business are sued because of a covered mistake.
Hired and non-owned auto
Hired and non-owned auto liability protects your small business from a lawsuit if someone from your company causes damage with a vehicle that isn’t owned by your business.
Employment Practices Liability Insurance
Employment Practices Liability Insurance (usually called EPLI) is there to protect your company in case an employee ever claims wrongful termination, harassment, or discrimination.
Liquor liability insurance will cover legal costs, property damage, and medical expenses if your restaurant sells alcohol to a visibly intoxicated person who then causes damage to something (or someone!).
If you own a restaurant, you’ll want to purchase spoilage insurance. It’ll help protect you from financial losses if you ever lose food and beverages because of a power outage (or other covered event).
Equipment breakdown insurance
Equipment breakdown coverage will pay out to repair (or even replace) the equipment you rely on to run your small business. So if your everyday business operations depend on mechanical or electrical equipment, this is a pretty important coverage to purchase.
If you’re in food service, buying a restaurant endorsement for your business will get you a bundle of vital coverages which will help protect you against the unique risks that come with serving food for a living.
Employee dishonesty insurance will compensate your business for financial damages caused by employee theft. It covers direct theft (think: an employee who steals cash from the register) as well as indirect theft (think: a bartender who didn’t charge buddies for drinks).
Some common questions about small business insurance:
It depends on where you operate and what industry your business is in. The best way to figure out what you might pay for a Huckleberry policy is to get an instant estimate here.
Great question. There are two main ways to get business insurance. The fastest way is to head to Huckleberry’s online portal, answer a few easy questions about your business, and get a quote in about five minutes. The more traditional route is to contact a legacy insurer, fill out and fax in some paper forms, and then wait for a quote (it could take a few weeks, so start as early as you can if you choose this option).
A Business Owners Policy includes general liability insurance, property insurance, and business interruption insurance (among several others!). Basically: if you purchase a BOP and workers’ comp, your small business will be covered for most risks.
It’s hard to answer that question right now, unfortunately. The coronavirus pandemic is still very new, and it’s not yet clear whether COVID-19 losses are covered by standard small business coverages.
Here’s where Huckleberry sells small business insurance by state:
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