Well, you know? Never thought of everything? You have a Homeowners Insurance Policy. Right? Well, years of experience tells us that most people think is their main activity, with only their homeowners insurance is covered. And that is beautiful daughters lemonade for your 12 years. But when the "hobby" is a company that can change things!

Sure, it would not be the first to have covered a computer stolen from business owners, but... Understanding is a flip side! If they put together with the TV, some jewelry and other valuables that may have won.

As a rule, homeowners insurance includes a business and all business assets and liability insurance. Wants the good news first? Ok. Many times, insurance can be added to the cheap with a few phrases of politics, but it all depends on the position of the insurance company underwriting. And the even better news is thatSome owners insurance already included a confirmation of a small amount of business personal property, 2500 usually $ 500 - $ These are intended to be the person who takes their work home with you. If all we wanted was the good news is that you can stop here. If you want to understand the evil, check out:
Consider the example of a small company eBay. There are many around these days and you probably know one or can such a society. For thisFor example, is that you have a list of U.S. $ 10,000 to do so. and there is a small fire, damage to the inventory.
The insurance adjuster comes and says, 'Boy, you made a number of widgets imagination! "
, To which they replied: "Yes, we sell them on eBay."
Curiously, the regulator is concerned. "Oh, really?" My wife collects widgets fantasy, and we talked for sale on eBay a couple of us. Why? "
You are now in the industry and one of the firstThings you've ever heard was that advertising through word of mouth has been great and free.

In this case, you find that word of mouth is not so great and that is not free.
The smell of smoke from the fire, not a couple of days ago. Their goose was caught, slaughtered, plucked, basted on a spit and turn right on the grill, while speaking.
Now the really bad news. What we talked about earlier, the corner property. Do not forget, you also yourThink state responsibility. Although this article does not go into all the nuances, easy to understand that the responsibility is your legal responsibility to others for damages to their person or property. Translated - what you owe anybody, because you did something or not doing that injury in some way.

For example, in a home location for business, a gentleman stopped by our house to fetch a purchase of eBay, which has made us. Had slipped on ice and fell, itProbably would have been liable for his injuries. Heck, we had - he was a lawyer! But his presence, and business records (with a purchase, even if "only through" eBay), changes in the level of assistance to law with him.

It is recommended to support your homeowners insurance for exhibition of motion, a thing of this kind are in the position of your company is possible. The premium is about $ 15. LOCAL covers liability. Thus,It was easy to take care of, it was not!

But read on, it's back worse. Suppose that the gentleman who had fallen and no longer by my house so innocently hurt buy his eBay auctions. He is a lawyer, remember - Just My Luck! By a collector who had bought the World Exposition in Buffalo, NY, but it is assumed that he had bought a small car or ancient tools. The sale is that it is hanging on the wall and be admired. Friends to come and ask, "Hey, what the hell is that thing?"
But thisThe man decides to see if it works yet. No event unusual or unexpected. No one thought of putting it in the bill auction, which would not be a problem. Heck, nobody knew that there was a guard had it! He lost a finger to try. Know what a lawyer fingers worth it? You are about to find out!

We must not even imagine, her child of seven years is a bad thing. He wanted a brain surgeon. I assume they will need a lawyer to solve now. Wouldwant a surgeon with no fingers? It would not be trusted, would it be? No matter what is actually lost.
Here you can begin to ask if your company is really worth it. It turns out that your homeowners insurance has an exclusion of liability of the product. Yesterday you've never heard of, and now are quickly becoming experts. Read the concrete forms that came with your policy to begin with, those you have filed ten years before.

Lucky you! They were not put in the trash, like so many others have done. Are you looking for the loophole known as described in many films. They think that even the slightest possibility that this should not happen to another person and the insurance companies have not thought of, without such an event. Silly YOU!
The story could continue, but you've suffered enough. And if you get the picture now, you can never, in any case.

Now, you wanted> Insurance companies. You say you all for the economy, is not it? Why did you print business cards, just last week! Did you go to print shop and ask for personal cards?

What kind of insurance should be made? Go ask your independent agent for a policy of printing, also known as BOP. You can also often a small company of a minimum premium of $ 250. Companies that are there at that price lessin number but are still available. If you are in New York, will be higher, of course. But it should not be more than $ 500 minimum premium unless your small business is really growing. I'm your agent to fill in the blanks in order to be more suited to your specific situation.
So there you have it ladies and gentlemen. Do not you want to read the last paragraphs first? For $ 250 you go to bed and forget about fire and safety of the product mayMA-what-cha-call-it.

Oh, you said to have) an employee (or volunteer? You can not only be felt now, "Oh boy, something else I have lost sleep thinking." Be careful the next in our series for domestic firms . Try to imagine this as a natural pep pill.

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