Think logically when considering business insurance

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Many business owners have a psychological aversion to purchasing a business insurance policy because they believe nothing catastrophic will happen to their business, according to a report from FM Global.

“A fundamental tenet of human nature is deniability, the belief that bad things will not happen to me,” said Dr. Steve Timmons, founder and president of Solutions for Organizational Survival, who was quoted in the report.

Michael Topf, an experienced safety, health and environmental training expert, echoed the sentiments of Timmons, saying that there are three elements of thought humans have when thinking about a disaster: the bad thing will not happen; if a bad thing does occur, it will not happen to me; and if the bad thing does affect me, the effects will be minimal.

Business owners cannot have these thoughts when it comes to purchasing insurance. They need to know that owning a business itself is a risk, and it is important to become protected from those risks as much as possible.

Business insurance can provide coverage for business property and liability, which can also cover different types of disasters that a business may face.

General Liability Insurance

What Is General Liability Insurance? Commercial General Liability Insurance protects small-business owners from claims of injury, property damage, and negligence related to their business activities.

Workers’ Compensation

What Is Workers’ Compensation Insurance? Workers’ compensation insurance covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job.

Business Owners Policy

What Is a Business Owners Policy? A BOP is simply bundled insurance designed to provide essential coverage to certain business owners at a competitive price. A BOP insurance coverage includes

Professional Liability Insurance

Professional liability insurance also called , errors and omissions insurance (E&O; insurance), protects you if a client claims that your services caused them to suffer a financial loss. While general liability insurance is primarily focused on property damage or bodily injury,

Disability Benefits Insurance

Employers in New York State are obligated to offer disability benefits insurance to their employees. This coverage is specifically designed to provide financial assistance in the event of off-the-job injuries or illnesses.

Business Umbrella Insurance

Without Business Umbrella Insurance (also sometimes called Umbrella Liability Insurance or Excess Liability Insurance ), you would have to pay the uncovered expenses out-of-pocket. Even if you carry General Liability Insurance for your business, without business umbrellainsurance you might face a repair, settlement, or judgment in excess of your coverage limit.

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WeInsureXYZ provides Best Business Insurance Quotes in New York for small business, including the self-employed and companies with 10 or fewer employees. The information contained in this website is for illustrative purposes only. Coverage issuance is subject to underwriting and is expressly subject to the conditions, restrictions, limitations, exclusions and terms of the policy documentation issued by the insurer. Availability of this program is subject to each state’s approval and coverage may vary by state. WeInsureXYZ allows businesses to apply for insurance and receive multiple quotes from leading insurance carriers including CNA, Guard, The Hartford, NEXT, Travelers, Hagerty, BHHC, PIE, Atune, Progressive, Chubb and Hiscox. We offer business owners a variety of insurance protection, including: General liability insurance, professional liability, errors & ommissions, excess liability, umbrella insurance, workers compensation, fidelity bonding, and more.