If you use your vehicle to transport passengers, goods, services or equipment from site to site, you may need commercial auto insurance, also known as fleet insurance. This covers most mechanical breakdowns, including heating and cooling systems, and owned telephone systems. Sometimes this coverage includes business equipment such as computers, fax machines, copiers, etc. Building Coverage - This additional coverage can cover items such as a building's glass, signs and landscaping. If some peril such as fire or theft shuts down the business, this coverage, also known as business income insurance, provides the owner with an income stream for up to twelve months.
Coverage pays for loss of net profit and ongoing expenses.
This coverage protects you from employee dishonesty that results in a financial loss to your business. Earthquake Insurance - Premiums and deductibles for this property coverage can be high, depending on your location. Flood Insurance - Premiums and deductibles for this coverage can be high, depending on your location. This coverage depends on the kind of business you own, but can cover potential liability for environmental cleanup and removal of pollutants or to remove the debris following a fire. You may need a separate policy for laptop computers.