Aku saja trick minta gambar tanpa seurat benang dia, dia bagi betul-betul buat aku lagi menyamppah! JOM TENGOK!

If you are a business owner, you are exposing yourself to a number of risks. How can you get protection against all these threats? There are so many business insurance policies available in the market, so which ones of these should you buy? We'll walk you through some of the most essential insurance types that your business should have. Professional Liability Insurance The professional liability (also referred to as errors and omissions) insurance protects you against negligence claims, which arise because of failure or mistakes. There is no standard policy that can be applied to every business because concerns vary with each industry and company. Thus, your insurance provider will offer you a customized coverage plan, which will suit your particular needs. Property Insurance Do you own your office or have leased the space? In any case, property insurance is still recommended so you are protected against thefts, storms and fires. The policy does cover your equipment, inventory, furniture and signage, but this usually does not extend to mass destructions incidents like earthquakes or floods. If these are too common in your area, then consult with your insurance provider for an additional policy. Worker's Compensation Have you begun hiring? Time to sign up for worker's insurance policy, which covers medical treatments, disabilities and even death if your employee is injured or dies when doing business work. Your employees may be involved in a low risk work, but general slip and fall incidents and conditions like carpal tunnel syndrome can still occur, resulting in costly claims. Product Liability Insurance If you put your products out in the general markets for sale, then you should get product liability insurance. You may be taking all measures to ensure safe products, but you never know when these can cause damage. In such an event, product liability insurance will cover you, but you may have to get the policy tailored according to specific product types. Commercial Auto Insurance Do you have vehicles for you business? Insure them fully to cover accidents. If your plan is comprehensive, your vehicle will be completely covered, but at the very least, you should still have third party coverage insurance. If your employees use their own cars, then their personal insurance will cover them. The only exception is when they are delivering products or services on your behalf for a price. Business Interruption Insurance Your operations may be hindered in the case of a disaster, during which, you may lose income because your employees won't be able to work from the office or make products. If you have business interruption insurance, you will be compensated for all revenue that is lost. The policy is especially recommended if you have a physical location like a retail store.