The best way to do that is by talking to an insurance agent. You and your insurance agent can discuss the best way to get the coverage you need, at the lowest cost. Keeping your cost low is important at the outset of your business since there will probably be many cash demands and few sources of cash inflow. Another way to keep the cost of insurance low is to purchase it through group plans that are often available through trade associations or other similar business organizations. Below is an overview of the types of insurance that your business may need and some of the issues you may have to address.
Disability insurance provides benefits in the event of partial or complete disability.
You should discuss your need for disability insurance coverage with your financial advisor and your insurance agent. General liability coverage. General liability coverage is the basic coverage that you have on your business premises. It insures against employees, clients, and other visitors getting injured while at your business site. If you are working out of your home, make certain that your homeowner's policy will cover business claims.