Get the insurance you need

What kinds of insurance are needed for your business? Talk to an insurance agent and discuss it with her/him. Some of the possibilities include:

• Basic Fire Insurance.
• Extended Coverage. Protects against conditions not covered by fire insurance including storms, explosions, smoke damage, and various other disasters.
• Liability Insurance. Covers claims against the business for bodily injury.
• Vandalism and Malicious Mischief Coverage.
• Theft Coverage. Protection from burglary and robbery.
• Vehicle Insurance. For use of vehicles for business.
• Product Liability Coverage. Insurance against liability for products manufactured or sold.
• Business Interruption Insurance. Payment of business earnings if the business is closed for an insurable cause such as fire.
• Professional and/or Malpractice Insurance.
• Workers' Compensation. Disability and death benefits to employees injured on the job.
• Health Insurance.

Sites for California businesses:

• California Department of Insurance

Other sites of interest

• Insuring Your Small Business
• Business Insurance for the Small Business Owner
• Complete Glossary of Insurance Coverage Explanations
• Business Insurance
• Property and Liability Insurance

This document was prepared by the San Joaquin Delta College Small Business Development Center. Send comments to: Gillian Murphy

Acknowledgements, disclaimers, etc.