Insurance Resources for Business Owners
Alternatives Insurance® of Chesterfield knows how important it is to help business owners understand insurance options and how to best protect business assets in case of a loss. Our agents are here to help business owners know where to learn more about Business Insurance in Chesterfield MO.
There are many business issues that equally apply to sole proprietors and to large corporations. Responsible business owners typically have a business license, pay their business taxes, have employees, and a payroll. If business is good, then perhaps an accountant to manage the bookkeeping. All of these items have one thing in common…. INSURANCE.
Do you rest well at night knowing your assets are protected? Have you thought about the potential losses you would incur if something unfortunate would happen to your business? Owning the right business insurance makes good business sense.
Different businesses have different risk exposures, so insurers provide a wide-variety of business insurance coverages. Determining which coverages best meets the needs of a business can be difficult. The professional business insurance agents at Alternatives Insurance® of Chesterfield can help. We will run a free business analysis to help business owners identify potential risks. Once the risks are determined, we implement the best coverages that best minimizes potential losses.
Business Liability Insurance protects you and your business from financially devastating claims that may occur because of events over which you have minimal control. The coverages are designed to protect against the unknown risks posed by products, directors & officers, errors & omissions, discrimination and other such liabilities.
If you are a business owner with employees, Workers Compensation Insurance is state-mandated. This coverage acts as a “no-fault” insurance system that pays benefits to workers injured on the job, to cover medical care, part of lost wages and permanent disability. Workers compensation insurance also protects the employers involved in civil lawsuits by employees over workplace injuries.
The Insurance Information Institute is also where to learn more about business insurance in Chesterfield MO. The Insurance Information Institute exists to educate the public on what insurance is, and what it does. The online directory and glossary covers specifics on Business Auto Insurance, Commercial Insurance, Business Liability, Workers Compensation and more.
Another great resource where to learn more about business insurance in Chesterfield MO is The Missouri Secretary of State. Here they offer the resources business owners need to navigate through operating a business. The Missouri Small Business Startup Guide provides readers an easy to follow manual with glossary for starting a business, deciding on the type of businesses, tax responsibilities, professional licenses, and more.
What if your employee claimed they were injured on the job because your business was not operating according to OSHA standards and rules? Now you are faced with a lawsuit, and potentially astronomical attorney fees. Business owners with the right insurance coverages can be protected. Business Liability Insurance helps absorb the cost of defending lawsuits that may include investigations or settlements, and for any judgments or bonds required during an appeal.
Once you have done your research, and are ready for business… contact an agent with Alternatives Insurance® of Chesterfield and discuss the next important step, protecting your business.
BUSINESS OWNERS…. Alternatives Insurance® Of Chesterfield IS Where To Learn More About Business Insurance In Chesterfield MO!