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Insurance Considerations For Anyone Who Is Self-Employed

Self Employed Insurance Scotia, NYInvesting in these insurance policies can help to keep your personally-owned business protected.

No matter how much you try to plan for the unknown at your business, there is no way to completely avoid any and all accidents. If you work for yourself, you have nobody to fall back on but yourself. To help keep your business safe, keep these self-employed insurance coverage options in mind.

Umbrella Insurance

This type of policy will provide additional liability coverage that goes beyond the liability that is provided by your other policies. Umbrella insurance is designed to help provide coverage against high losses.

Hired and Non-Owned Auto Liability Insurance

If you rent a vehicle to use for business purposes, or any of your employees use their personal vehicle for business needs, this policy will provide the coverage that you need to protect against damages and injuries.

Fire Legal Liability Insurance

If you rent or occupy a property, this policy will provide coverage for any fire damage that is done. Keep in mind that in order for this coverage to kick in, you will need to have been negligent in causing the fire.

Employment Related Practices Liability Insurance

An EPLI policy will provide coverage for wrongful refusal to employ, wrongful termination, defamation claims, or claims of invasion of privacy that are made against you or any of your employees.

Disability Insurance

If you are no longer able to work due to injury or illness, your disability insurance will kick in and provide you with an income. You have the option to invest in long-term disability as well as short term disability.

When looking for the right business insurance policies to keep your company safe, contact Scautub Agency in Scotia, New York. As an independent insurance agency, we will work with you to ensure you have the right amount of protection, all at the right price to fit your budget.

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