One of the most sinister fears of our business - come, take away - insurers, is not considered. To insure the business of "raider raids" you will not succeed. The remaining risks (including unavoidable circumstances such as floods, earth quakes, revolutions) are included in the various insurance programs that companies offer small business owners.
It is a small business for the insurer? In addition to the basic legal criteria (number of employees, for example) display their insurers: the value of assets, profit ability and turnover. The total value of machinery and equipment of a small business can not exceed $ 500,000, annual revenues - $ 10 million, and the amount of the contracts do not have to overcome the level of $ 1 million.
Insure your small but proud company property from theft only large insurance companies are unlikely to take. Typically, hedge complex - all risks at once. I must say that the money obtained is more profitable than if you arrange the insurance for each separately. The program for commercial businesses include insurance products in stock (andfrom thieves and from rodents), pavilions (including glass windows, smashed in a fit of inexplicable soul football fan), vehicles, shop equipment (cash registers, surveillance cameras, "the gate "responsive to the tape of the unpaid goods). It is interesting that you, as owner of the commercial enterprise, you can insure themselves against bad faith of their own employees. If the seller is someone cheated or failed vows stylist, manicurist, or master, "let blood" to the client and the demands of redress, including the moral, the insurer will pay the costs. Purchasing equipment, insure leases - especially if you're taking it from another city. On the road happens to all, and office equipment is expensive.
Private security companies necessarily insure employees against accidents and professional liability. I must say that small business insurance - is voluntary. The law prescribes a "small" employers to insure employees against accidents at work. Oh, and to issue CTP. All other items of the insurance program - at your discretion. If your business is insured in full, you may have problems with obtaining credit in the bank. Some financial institutions argue, for example, life insurance company owner.
