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Can small businesses be insured?
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[QUOTE="Jasz, post: 260059, member: 61772"] Yes, it can. But it depends on the type of insurance you want. There are three types of insurance for small businesses: workers' compensation, general liability and commercial auto. Workers' compensation. This is for employees who suffer injuries or illnesses on the job. It's not much coverage, but it's inexpensive and easy to get. You'll need to show that you've tried to prevent injuries from happening and that you know how to handle any claims. General liability. This protects your business against lawsuits over accidents or injuries that happen off the job but happened at work or in your store or office space. You'll need to show that you have an effective safety program in place and are diligent about reporting any accidents so they can be investigated by your insurance company. Commercial auto policies include liability coverage, which pays damages if someone gets hurt in an accident while driving your car or truck; comprehensive coverage, which pays for damage caused by fire or theft; collision coverage, which pays if someone gets into an accident while riding as a passenger; and uninsured motorist coverage, which pays for damages caused by uninsured drivers whose vehicles hit yours. [/QUOTE]
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