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There are a number of challenges and obstacles that a new business may face, and if a financial challenge is large enough, it could be enough to cause them to have to close their doors indefinitely. This is why it is recommended to get business insurance through a company like Miao Insurance Services. Regardless of how long your Pleasanton, CA business has been in operation, commercial insurance ensures you’re protected and can continue in the event of a disaster.
Commercial Insurance Covers You and Your Employees
Business insurance typically covers liability and workers’ compensation insurance. Liability covers you in the event someone on the premises sustains an injury and wishes to pursue legal action against you. Workers’ comp provides protection for your employees if they are hurt while working. In fact, depending on the state where you live, it is required by law to have.
Commercial Insurance Covers Natural Disasters
Natural disasters like earthquakes, fires, and floods can quickly wipe out your entire business, but an insurance policy can cover most of your losses in a terrible situation like this. While your business is being prepared, your insurance plan may cover being set up in a temporary space, lost income while your doors are shut, and/or the money necessary to get back up and running again.
Commercial Insurance Covers Theft
Depending on the severity, theft can bring a business to its knees. Regardless of whether it is computer equipment or inventory, without insurance, you will be left to handle the replacement bill. With insurance, you will receive a payment that’s equal to the value of the lost items. Depending on your plan, you may even receive compensation for lost revenue as you recover.
Don’t let your Pleasanton, CA business get caught uncovered in the event of a disaster. Contact Miao Insurance Services to discuss your options and level of coverage.