¿Qué tipo de seguro necesita la pequeña empresa?

Small business owners should consider a broad range of insurance coverage. Most businesses will require multiple types of insurance, including general liability, workers’ compensation, property, business owners, commercial auto, and errors and omissions. When purchasing business insurance in San Diego, small business owners can feel reassured by the variety of coverage types they can easily incorporate into their blanket insurance policies.

Responsabilidad general

A small business will be safeguarded in numerous ways with general liability insurance. Your company will be protected from bodily injury claims, lawsuits, and damage claims that can negatively impact your business. Liability coverage will protect your small business against the risk of third-party claims, which also includes claims for damages to another person’s property. It’s important to understand general liability won’t protect your commercial or personal property. This type of insurance product is also known as general commercial liability insurance.

Seguro de compensación de trabajadores

If you employ people in your small business, that’s good reason to include workers’ comp coverage. This is a type of insurance that provides your employees with wage replacement and medical benefits. It applies to an employee who gets injured in the course of employment. The coverage protects your business as the employer against any potential claims of negligence.

Política de propietarios de negocios (BOP)

Un BOP para pequeñas empresas combina responsabilidad civil general y seguro de propiedad. Para los propietarios de pequeñas empresas, una política de responsabilidad general no está diseñada para proteger su propia propiedad. Para proteger mejor las necesidades de su propiedad, puede considerar comprar una póliza de seguro para propietarios de negocios.

Seguro de errores y omisiones

Errores y omisiones es una oferta de seguro que comúnmente utilizan las empresas de servicios profesionales. Es un seguro de responsabilidad civil que protege tanto al propietario como a los empleados del reclamo de negligencia de un cliente o el desempeño inadecuado del trabajo, y puede ayudar a cubrir los costos judiciales y de liquidación.

Seguro de auto comercial

Any business vehicles that you or your employees drive are covered under a seguro de auto comercial policy. Commercial vehicle insurance can cover cars, trucks, pickups, snowplows, and SUVs. It’s designed to protect the small business, the owner and his or her agents, and the employees who drive the vehicles.

Seguro a medida

Business owners and managers have many options when it comes to insurance products. Different small companies often need unique insurance packages that address their specific lines of business. For instance, a warehouse or manufacturing facility where large equipment is in use can be covered for losses incurred due to equipment breakdown and damage, which can be devastating for a small business because of the resulting loss of income. Custom-designed insurance programs can save money and keep small businesses running smoothly.

Los propietarios de pequeñas empresas deben asegurarse de proteger a sus empresas y empleados mediante la compra de la cobertura de seguro adecuada. Para un seguro comercial asequible y confiable, así como para propietarios de viviendas, inquilinos, motocicletas y seguro de auto en san diego, los residentes recurren a los profesionales confiables de Altra Insurance Services. Comuníquese con nosotros hoy al 619-474-6666 para saber cómo podemos satisfacer todas sus necesidades de seguro.