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Video from our FREE Online Business Course www.myownbusiness.org Session 6 – Business Insurance Question “Should a start up business person save money by being self-insured on property and liability insurance?” Kelly Davis Insurance Agent Topics covered in this video: Business insurance, self-insuring Transcript: The easy answer would be: absolutely not! There is just too much to lose and it can be lost in a second. Think about Katrina. In a blink of an eye everything was gone for people: restaurants, office buildings, you name it. And some of them didn’t have insurance or they didn’t even have flood insurance which is a kind of crazy if you’re in a gulf area. But a lot of people didn’t have it. I have a buddy from college and his house was flooded up to eight feet and he didn’t have flood insurance. So he probably thought that he was invincible. We all do in some respects but insurance is the cheapest way to insure your future and your livelihood. It’s just that simple. How do you self-insure for a million dollar loss? Somebody could slip and fall on a banana peel that you left on the floor in your smoothie business and they may need hip surgery–and where are you going to get the money? It might cost you 0 for a business owner’s policy or up to a 00 or more depending on how much equipment you have. You just can’t afford to self-insure.

Broad Talks Housing, Education, and Insurance (Taking Stock)

Building relationships since 1925, Erie Insurance, with nationwide offices, offers coverage for auto, home, business and life insurance needs. Through its nationwide network of independent agents, this company writes policies that protect you and your business from financial ruin, streamlining the claims process to get you back on the road, up on your feet or in business as quick as possible. Call toll free to find your nearest agent. Visit us www.yellowpages.com

If you are a contractor, it probably follows that you need contractors liability insurance. BIA Insurance Agency provides contractors liability insurance for virtually any type of contractor-plumbers, commercial drywall contractors, electricians-as well as Accidental Death and Dismemberment Insurance for contractors to offer their employees. There are several types of contractors liability that BIA Insurance Agency offers. Primary General Liability insurance is best for commercial and …