Corporate Insurance



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A. There are six broad areas of business (insurance) exposure:

  1. Property Insurance
  2. Time Element
  3. Crime Insurance
  4. Automobile Insurance
  5. Liability Insurance
  6. Workers Compensation Insurance
Not every business will have exposures in every area, which is why an analysis must be done. The State requires Workers’ Compensation insurance if there aren't any employees.

Contractual agreements that enable your business to operate, such as leases, merchandising, and finance contacts, may obligate you to insure beyond your immediate concern. Review them, with your agent.

Business Plans
Business insurance may cover property of all types that you own or maybe in your “care, custody, and control”. Such property may be buildings, personal property, equipment, inventory, goods in transit, earnings, etc. The nature of your business may also require you to protect other people’s property as well.

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