The success of a business, whether it's a small enterprise run out of a basement or a large corporation, largely depends on hard work and ingenuity. However, no matter how industrious you are, one disaster can wipe out all your profits and even destroy your business. The key to making sure that all the effort and money you have invested in a business doesn't disappear when a disaster strikes is to protect it with the appropriate insurance.

Business Owners Policy's include:

• Property insurance for buildings and contents owned by the company — there are two different forms, standard and special, which provides more comprehensive coverage.
• Business interruption insurance — covers the loss of income resulting from a fire or other catastrophe that disrupts the operation of the business. It can also include the extra expense of operating out of a temporary location.
• Liability protection — covers your company's legal responsibility for the harm it may cause to others. This harm is a result of things that you and your employees do or fail to do in your business operations that may cause bodily injury or property damage due to defective products, faulty installations and errors in services provided.
• Business Owners Policy's do NOT cover professional liability, auto insurance, worker’s compensation or health and disability insurance. You'll need separate insurance policies to cover professional services, vehicles and your employees.

To learn what kind of a business policy you need, request a business insurance quote today!