As a business owner, you've worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?

一个企业主的政策是独特的设计，以保护您最重要的资产, including your business, its continuation, your employees, and your way of life. 与你的代理人讨论这个保险范围的细节，确保你得到保护.

If you perform services for others, 你有可能做错(错误)或者根本不做(遗漏). 诉讼可能会出现，声称错误或遗漏损害了你的客户，并给他们造成了经济损失.

错误和遗漏责任保险保护任何提供咨询的企业, makes educated recommendations, designs solutions, or represents the needs of others. Ensure you have this important coverage if you perform services for clients.

董事和高级职员(例如董事会成员)面临的风险因素增加，并对声称在履行职责方面存在疏忽的行为负责. 任何由此产生的诉讼通常都是昂贵的辩护，可能导致巨额和解.

Obtain comprehensive coverage to protect senior individuals of your company. 董事和高级管理人员责任保险承保承保的诉讼的法律费用，并提供除辩护费用以外的任何和解所需的资金.

当您的企业面临超过标准保单基本限额的重大责任损失时，会发生什么?

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, as well as directors and officers liability coverage. 它提供了一个很好的安全网，并有助于确保您的业务得到很好的保护.

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, 并将支付辩护任何涵盖的诉讼或行动，无论其价值.

如果你信任的员工被发现做了不诚实的事，你会怎么做?

犯罪和忠诚保险旨在为员工的不诚实行为提供保险, forgery and depository, theft, destruction and disappearance, and more. Discuss the details of this coverage with your agent to learn more.

Could your business cause damage to the environment? If so, are you covered?

环境保险在环境灾难发生时提供保护.

With technology performing many tasks in today's world, a breakdown can cause a significant financial burden, including the cost to repair the equipment, the interruption of your business, as well as any lost income and extra expenses.

全面的覆盖范围为设备机械故障提供保护. Discuss the details of what's covered with your insurance agent.

如果你的员工受伤或生病，由于与工作有关的事件, you are required by law to have the proper coverage in place.

雇员补偿保障雇员在受雇期间因工受伤或生病. 这是法律所要求的，所以你一定要明白你的义务.

一场车祸可能会对你负责的其他人造成人身伤害或财产损失, potentially putting your business in financial jeopardy.

商业汽车保险为商业企业拥有或租赁的车辆提供保险，并为人身伤害提供保险, property damage, and other coverages, and includes both comprehensive and collision coverage.

平均而言，估计五分之三的企业将被员工起诉. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

购买雇佣实践责任保险来保护你的公司和董事, officers, 以及涉嫌雇佣相关行为的雇员，比如非法解雇, failure to promote, discrimination, and sexual harassment.

The Internet has spun a whole new web of liability exposures. E-commerce, social networking, cloud storage, and other technologies bring great benefits to large and small businesses alike. But with these benefits also come challenges, including protection of privacy, data, and financial information of your customers.

网络责任保险涵盖对网络内电子数据或软件的未经授权的访问. It also provides coverage for spreading a virus, computer theft, extortion, or any unintentional act, mistake, error, or omission made by an employee. 随着您采用技术来帮助运营业务，这种覆盖范围将迅速变得越来越重要.

What would you do if a fire impacted the operation of your business? Or what if a pipe leak caused a system outage or extended downtime? 这些和其他事件会破坏你服务客户和带来收入的能力, which can have a major long-term impact on the viability of your business.

如果企业因商业财产保险承保范围内的损失而无法正常经营，商业收入保险会赔偿您的收入损失, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Your business property is a significant financial investment. What if something happens to it?

商业财产保险可以帮助保护企业拥有或租赁的财产, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, 商业财产保险可以单独购买，也可以与其他必要的保险相结合，以保护企业的实物资产.