Why You Should Consider Getting Commercial Insurance in Fort Myers

Posted By : alex , on Jul, 2014

 

New business owners have a lot to think about. However, one of the most important things they overlook is the need for business insurance. Insurance coverage is needed in order for the business to be effectively ran. The insurance you choose will depend on the type of establishment you’re running. Let’s take a look at the different types of available coverage, and why you may need them.

Let’s say you’re a dentist, and during a procedure you accidentally pull a healthy tooth from a patient. Your patient becomes furious and decides to sue you. Without insurance your practice could face a huge financial loss. This is why doctors need medical malpractice insurance. In fact, this type of insurance is often required for doctors in the medical field.

Another great example involves bar owners. Bars often serve hundreds of patrons a week. As the owner of an establishment that furnishes liquor to patrons, you are legally required to serve them responsibly. If a patron leaves a bar,and gets into an accident, you could be held responsible for the damages. Although some bars refuse to Get Commercial Insurance in Fort Myers, liquor liability insurance is available to purchase.

Businesses that have several employees working for them will need some type of workers compensation insurance. Worker’s compensation insurance is there to protect both the business and the employees, in case an incident were to ever occur. By failing to Get Commercial Insurance in Fort Myers you are leaving your business vulnerable to damaging lawsuits.

Billions of products are sold every year to a variety of customers. Most don’t realize it, but the businesses who sell these products may be held liable for their safety. If a product malfunctions, and a customer is injured, that customer may seek compensation from the manufacturer and the business who sold the product. Liability insurance is a valuable means of protection for businesses who resell products.

As you can see, there are a number of scenarios you need to prepare your business for. Talk to an insurance agent to see what kind of insurance your business needs. Having insurance will not only protect your business, but it’ll give you a peace of mind.

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