While you can't avoid all business risks you can reduce the costs of potential losses. Business insurance is one way to mitigate business losses. It allows for a financial recovery if an insurance policy is in effect related to a covered business failure or accident.
1. General Liability Insurance
General liability insurance is as its name suggests, the most general type of business insurance. Liability insurance protects the assets of a business when faced with allegations of causing injury or loss to person or property. The coverage offered in a general liability business owner's policy (BOP) will vary by insurance company but general bundles the most basic and least expensive property and liability insurance risks.
2. Commercial Property Insurance
A commercial property insurance policy covers losses sustained to commercial real estate. For instance, if anything were to happen to a building covered by such a policy the insurance company would reimburse the owner from losses to the building due to occurrences such as fires or storms.
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