Obtaining insurance for a new small business can be a challenge. There’s a tremendous amount of information online to sift through and searching “insurance companies in Hartford CT” will yield many results with no understanding of the local landscape. As you start your search, here are three basic coverages that you should consider.
It is recommended that you carry workers compensation insurance even if you have only one employee. Accidents can happen even in the least hazardous environments and you want to ensure your business is protected against any legal or medical fees that could result from an injury.
General liability is the most basic of coverages. It’s two parts, bodily injury and property damage, protect your business in case a person or property is hurt or damaged by your business’ activities.
Commercial property insurance provides coverage for your business in case your property is damaged, lost or stolen. The policy will cover the cost of replacing or repairing the property and will even reimburse any revenue you may lose as a result of those damages.
Plenty of insurance options are available for new small business owners. Do a search for “insurance companies in Hartford CT” for assistance and narrow down your list until you find the coverage that’s right for you.