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Business Interruption  

Being a successful business person means being able to anticipate events and plan for the future.

Business insurance is one way of ensuring that you're in control of your future rather than being controlled by it.
Business interruption insurance protects a business owner against losses  providing reimbursement for:

• Business equipment contents
• Temporary shutdown because of fire or other insured peril
• Extra expense coverage for a different location because of insured damage
• Lost net profits and necessary continuing expenses
• Professional malpractice
• Errors and omissions liability
• Partner Death or Disability
• Key Employee Death of Disability

Simple as 1-2-3

1. Create an itemized list of your business' assets and their individual dollar values.
2. Decide which assets you actually want to insure and for what value
3. Contact Jim

Contents insurance
Protects your business equipment from perils such as fire, flood, or theft.

Disability
Provides your lost income if you become disabled or unable to carry on your business.
There are various kinds of disability insurance available that are tailored to the needs of business owners.

Key Person
Provides a business compensation for financial losses due to the death or long term disability of a key person with unique expertise or knowledge.
The insurance provides additional funds to the business until the key person can be replaced, or until he or she returns to work.

Liability insurance

(General/Product)
Protects your company if someone is injured as a result of using your product or service.
When you consider that the legal expenses and settlement or judgment expenses of a single lawsuit could drive your business into bankruptcy, you'll see why this kind of insurance is considered a "must-have".

Liability (Professional)

Provides doctor, lawyer, architect, computer consultant, or realtor professionals, professional liability insurance.

•  consult your professional organization. (Mandatory for certain types of professionals)

 Errors ands Omissions

Errors and omissions insurance protects business professionals by shielding his or her assets and paying for his or her defense resulting from a client claim inferring a professional's faulty performance of:

• Negligent act
• Error
• Omission

Partnership (Buy-Sell)
Provides the disabled or surviving partner(s) with the money to buy the deceased or disabled partner's share of the business. RBC, for example, offers both Key Person and Buy-Sell business insurance.

Property insurance
Protects the assets your business owns, including the building and equipment, from destruction or damage. Even if you run a home-based business and have home insurance, you'll need to protect your business assets with separate contents insurance; your home owner's policy will not cover business equipment.