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We know your business means everything to you. And as an owner of a growing business, you typically face tough challenges every day. Be sure your business has adequate insurance protection

What type of coverage do you need? Business insurance policies come in many forms and cover a variety of needs. Several factors determine what coverage you’ll require as well as the rate you’ll pay. These factors include the nature of your business, whether you operate from a commercial building or home office and whether you have employees. Here are the most common types of insurance coverage needed by a small business:

• Liability insurance: If you have customers who visit your business, general liability insurance protects your business in the event a customer is injured on your property. It also pays for your legal defense in the event of a lawsuit because your product or service causes harm. If you provide services that could cause others’ financial loss, you also may need professional liability coverage.

• Property insurance: Property insurance covers your buildings, equipment, inventory and other contents.

• Commercial auto: Commercial auto insurance claims can be devastating for businesses which aren’t properly insured. If you or your employees drive company owned or personally owned vehicles in the course and scope of business, you need commercial auto coverage.

• Workers’ compensation: If you have employees, you need workers’ compensation insurance to cover medical expenses and lost wages arising from illnesses or injuries which occur at their work.

• Business interruption: If your business is unable to operate because of a covered property loss, business interruption insurance covers lost income during the downtime.

• Disability insurance: If you own a small business, a disabling injury or illness could be financially devastating. Many income protection options are available for business owners, including business overhead expense insurance, key person insurance and bank loan disability insurance.

• Health: Health insurance is important for you and your employees. And with the federal Affordable Care Act, it’s important to understand your responsibilities as an individual and as an employer.

• Life: If you have family members who rely on your income, life insurance will provide the money they need if you meet an untimely death. In addition, many lenders require you to have life insurance before providing you a business loan. is a free service, dedicated to helping you find the best insurance coverage at the lowest possible price.