There are federal crime insurance plans to help in high- crime areas where private crime insurance would be impossible or too expensive to get. Covers broken windows, signs, etc. For stores with a lot of glass windows, this can more than pay for itself the first time you have to replace one of those large show windows. If you are home-based, your homeowners' or renter's insurance will probably cover the physical structure of your home office, but in many cases business equipment in the home is NOT covered by the policy. Costs much less and provides more generous benefits than individual contracts would.
Generous programs tend to reduce labor turnover, and are seen as an important benefit.
This replaces the loss of income while they are recovering. You can get an income tax deduction for funds used for retirement insurance plans under the Employees Retirement Income Security Act. Your key employees can be insured with life and disability insurance made payable to your company. It definitely pays to shop around for your insurance needs. Different companies may have very different rates for the same coverage - in fact different offices of the same company may offer differing rates, as most are independently owned and operated.