Small Business Insurance Requirements | Gregg S. Marcus Blog

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Basic small business insurance consists of four focal types of insurance.  These four types of insurance are professional liability insurance, product liability insurance, general liability insurance, and commercial property insurance.  In this article, Long Island Insurance Executive Gregg S. Marcus seeks to explain what these four types of small business insurance policies are all about.

Professional liability insurance, which is also known as malpractice insurance, is used to provide coverage to small businesses for any potential financial losses due to errors done by the company itself or the company’s employers.  Some degree of professional liability insurance is legally required for those working in the medical field, including doctors, dentists, and osteopaths.  Other small businesses that are encouraged to purchase professional liability insurance are hair salons, massage therapy centers, and gyms that possess personal trainers.  This is because these small businesses provide services to people on a personal, routine basis.  This puts them at higher risk than other businesses to be held liable for potential injury occurring on their property.

For small businesses that deal with manufacturing or the field of retail, it is recommended for them to purchase product liability insurance.  This insurance policy ensures that the company cannot be held accountable for claims against the company pertaining to the product malfunctioning or proving defective.  Certain small businesses are required to get product liability insurance because the products they are selling, for example health care or cosmetic products, are at higher risk for causing problems.  The price for their insurance policy will increase based on the risk factor that the product that they’re selling has and what the product is being used for.

General liability insurance is another type of small business insurance policy.  This particular policy is a more standard one, for it protects the company against any legal claims made due to potential injury, slander, or other incidents.  This policy solely deals with protecting the company from any legal action made against it or its activities.  Commercial property insurance, on the other hand, is used to cover the structural aspect of the company, including the physical property that it lies on, the building itself, and the contents that are within the building.  The two types of commercial property insurance are all-risk policy property insurance and peril-specific property insurance.  All-risk policies are specifically for the coverage of buildings, equipment, and the contents that lie within them.  This includes coverage for floods, earthquakes, and other risk factors that exist against the property.  Peril-specific policies deal with coverage for the company for other damages, like fire damage, vandalism, theft or other damages mentioned specifically on the insurance agreement.  Additional coverage that is required in small businesses is workers’ compensation insurance.  This deals with an employer being injured on the job.  Unemployment insurance is oftentimes required also.   If you live in Nassau or Suffolk County in Long Island on New York and are in need of a small business insurance quote, contact Gregg S. Marcus today!

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