- From your small business is an exciting time, but it also has its challenges. Part of the configuration includes the realization that you are adequately covered. By industry and type of business you run, there will be some differences in the coverage you need, but here are some common types of insurance for small businesses:
Every company should have property, general liability, workers' compensation (managed by WCB Alberta), and health / life / disability insurance.
as needed, most companies should also consider having self, cyber / privacy violation, dishonesty crime / employee, business interruption, and umbrella / excess liability.
many companies also have professional liability / errors and omissions (E & O) coverage / Malpractice (all names for the same thing), directors and officers liability (D & O), of pollution, cargo / goods in transit. contractors and equipment
If you have a specialist business, specific insurance industry may be needed, eg air traffic control, good, rip & tear, garage, and many other
the best thing you can do in the implementation of your business planning process is to consult an insurance broker. Your broker will be able to guide you through an insurance program and guide you in choosing the right guaranteed to meet your needs.
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