Protecting Your Business with the Right Insurance

What are employers obligated to provide to ensure a safe working environment for their employees?

• Set up and enforce proper rules of employee conduct

• Offer free meals during work hours

• Provide transportation to and from work

• Organize recreational activities

Which type of insurance should a small business consider to protect against the risk of business interruption?

• Commercial Property Insurance

• Business Liability Insurance

• Business Interruption Insurance

• Workers Compensation Insurance

What is the purpose of Workers Compensation Insurance for a small business?

• To cover the cost of office supplies

• To protect against data breaches

• To insure against employee injuries on the job

• To provide health benefits for part-time employees

Which type of insurance is specifically designed to cover errors and omissions in professional services?

• Cyber Liability Insurance

• Commercial Umbrella Insurance

• Errors and Omissions Insurance

• Technology Errors and Omissions Coverage

What does Business Interruption Insurance replace if you need to temporarily shut down due to a covered loss?

• Replaces damaged merchandise

• Replaces lost income

• Covers legal fees

• Provides new equipment

What does Business Interruption Insurance cover in addition to lost earnings?

• New business investments

• Damaged merchandise and additional expenses

• Employee training costs

• Marketing and advertising expenses

What does a Business Owners Policy typically bundle together?

• General liability, commercial property, and business interruption insurance

• General liability, vehicle insurance, and employee health benefits

• Commercial property, product liability, and workers' compensation

• Business interruption insurance, vehicle insurance, and product liability

What is a Business Owners Policy described as in terms of purchasing business insurance?

• An affordable way to buy small business insurance

• A comprehensive way to buy small business insurance

• A mandatory way to buy small business insurance

• A temporary way to buy small business insurance

Why is commercial auto insurance essential?

• It is required by law for all vehicles.

• It covers personal use of vehicles.

• It is essential for vehicles used for business purposes.

• It provides coverage for all types of vehicles regardless of use.

What do personal auto policies typically exclude?

• Coverage for business use of vehicles.

• Coverage for personal use of vehicles.

• All types of auto insurance claims.

• The cost of auto insurance premiums.