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Looking
for property & casualty 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 a 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
- Earthquake
- Flood (which may or may
not be available)
Keep in mind that an all-risk
policy can be structured to cover all of your equipment,
including computer hardware and software, plus your valuable
records. A properly written policy will include loss of
income that might result from breakdowns, as well as loss of
income from other hazards that would temporarily close down
your business.
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