A True Insurance Professional Performs Your Workers Compensation ...

Workers Compensation
You need to insure your employees against on-the-job injuries. very state is different, most states have put into place some form of workers? compensation system. Workers? compensation is a system where the employee is not allowed, by statute, to sue their employer for on-the-job injuries. In return, the employer must participate in a system that provides nearly automatic payment to the employee in case of injury for medical bills and damages. There are many options for workers? compensation coverage. Some states allow an employer to opt-out of the system if the employer is self insured, some run the system through private insurers while others use state agencies.

General Liability Insurance
General liability insurance insures against liability legally imposed upon your
business because of the negligence of the business or its employees. Put
another way, it protects your business when the business is sued fornegligence.

Property Insurance
Property insurance insures against loss or damage to the location of the
business and its contents. It can also insure the property of others in
your control when the loss occurs. Property insurance can be for a
specific risk. For example, a fire insurance policy insures only against
a fire loss. A tornado is not a fire and, therefore, that loss would not be
covered. The insured location can be owned, leased or rented.

Commercial Auto
Commercial auto coverage insures against property damage to vehicles and
damage caused to others by those vehicles, and the limits are many times
higher than most personal auto policies.Your personal automobile policy does NOT
cover vehicles used by your business or its employees. One of the worst exposures
any business has is incorrectly written (or quite often, not written at all) commercial
auto coverages.

This article was written by Chris Line, a licensed California Property & Casualty Agent and business insurance specialist. For more information on insurance coverages for your unique business, visit workers compensation premium calculation or workers compensation . Chris can be reached at 1.800.316.0019, or send him an e-mail at cline@cisps.com.

Source: http://www.idoarticles.com/a-true-insurance-professional-performs-your-workers-compensation-premium-calculation-at-no-cost/

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