As a small business owner in Salma, TX, you may be wondering exactly what your insurance needs are. Versatile Insurance Planners is happy to help. We understand the individual needs of the small business owner and look for new ways to provide insurance coverage for you.
General Liability and Property Insurance from Versatile Insurance Planners
The minimum coverage you would want to consider as a small business owner would be General Liability and Property Insurance. This is the basic insurance to make sure that you are protected from liability should an accident take place on your property. This policy will also protect you if significant damage is sustained to your property.
Worker’s Compensation Insurance
Depending on how many people you employ, you may be required by law to carry worker’s compensation insurance. This type of insurance will protect your employees in the event that they are injured at work. This will provide for medical expenses and provide payments while the employee is out of work. In addition to this, it protects you as the employer if an employee sues you for injuries sustained on the job.
Equipment and Automobile Insurance
If you use any type of equipment or use vehicles in the execution of your business, then you will need to protect these investments as well. Equipment is usually a massive investment in your business. You do not want to risk losing this equipment in the event of an accident or through wear and tear. Equipment insurance will cover these items. If your employees are required to drive in order to do their job, then they and the vehicles they drive will need to be insured. This is both for your protection as well as the protection of anyone who may be involved in an accident with one of your employees.
Please call us today at Versatile Insurance Planners serving Salma, TX and the surrounding areas to discuss your policy.