Must-Have Insurance Policies for Your Business

 In Blog, Business Insurance

Business is exposed to risks from day one. Don’t let time go by without your investment being protected.

Types of Insurance Your Business Definitely Needs

Regardless of how long you’ve been in business, risks are always present. Without proper protection in place, your investment is vulnerable to many things including lawsuits and material loses. If any of this materializes and you have nothing to cover your back, you could be in danger of going out of business. Make insurance a priority for your business and cover these basic insurance needs:

Property Insurance

In the event of a storm, fire or theft, having coverage over your assets like your equipment, furniture, inventory and even your signage is great help. Even if you don’t own your own space, you definitely need property insurance. If you are based in an area that is prone to natural disasters like earthquakes, check with your agent about the additional policy you’ll need for that.

Must-Have Insurance Policies for Your BusinessProduct Liability Insurance

This type of insurance is a must if you manufacture products. Certainly, your business takes the necessary measures to make sure your products are safe for the general public, but in case something unexpected were to happen, product liability insurance will protect your business in case of lawsuit.

Professional Liability Insurance

Also known as errors or omissions insurance or E&O. If your business ever incurs in a mistake that causes harm to others and you are faced with negligence claims, professional liability insurance will have your back.

Business Interruption Insurance

Business continuity is super important. If your business’ operations become interrupted due to a disastrous event of some sort, business interruption insurance will compensate you for the losses you might have from not being able to operate.

Workers’ Compensation Insurance

Accidents happen and anyone could get injured on the job. To cover for your employees’ medical treatment, death benefits or disability, you’ll need workers’ compensation insurance.


Keep your business covered from the unexpected and prevent financial problems that could come up due to lawsuits or disastrous events. At AAI Central, we can provide the information you need to make the best decisions regarding coverage for your business. Let’s get together and start protecting your business today!

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