Seems like there never is enough money to go around for all the things a small business owner needs and insurance is certainly no exception.  Having commercial insurance may seem like a waste of money on the surface but without it your business could not survive if something tragic was to happen.  There are many types of insurance that a company needs in order to protect itself including automotive insurance, health insurance, workers compensation as well as general liability insurance.  This article will examine some of the basic types of commercial insurance that you and your company will need in order to face the ever increase legal land mines that a small business owner faces every day.

Commercial Auto Insurance

They already have your automobile covered with your personal insurance, why would you need to have commercial auto insurance on it?  Chances are that you use your truck or van in the day to day operation of your business.  If you are involved in an accident while using your automobile while engaged in your business your insurance company may deny your claim.  By using your car for business purposes you increase the risk for the business and insuring company.  You need to check that you are properly covered before disaster strikes which could ruin the health of you and your company. Read the rest of this entry