If you're a business owner in Saratoga, NY, then it's important that you do everything possible to protect your business. There are a number of ways that you can do this from employing the best employees to hiring the top accountants and so on. But, one thing that you can't overlook is the need for good Business Insurance in Saratoga, NY. There are a number of different types of business insurance that you're going to need. Some will vary depending on whether you employ anyone beyond yourself. Others you need for personal protection against lawsuits based on problems with your products or your services. Even if you own a smaller company with no employees, you're still going to need insurance to protect you against worse case scenarios. Here are some examples of insurance that you might need. Liability Insurance There are a couple of different kinds of liability insurance. There is general liability, which protects you from lawsuits should someone be injured on your property. This is necessary, even if you don't regularly have clients visiting your office. Even if the mailman slips and falls on your property, you can be held liable for his injuries! The other type of liability insurance is product liability. This insurance protects you in the event that you experience a product failure or your product doesn't meet its claims. This also applies to a service that you provide - so don't think that if you don't have an actual product that you don't need this kind of coverage. Workers Compensation If you employ people at your company, you're going to need to provide them with workers compensation insurance. This coverage pays for the cost of medical care and wages should an employee be hurt on the job. Car Insurance Whether you have a fleet of cars or you use your personal vehicle for work related tasks, you need commercial auto insurance. Your personal insurance may not cover you if you have an accident while doing something for your company. This is just a sampling of the different types of business insurance available to you. With the help of an insurance broker, you should have no problem purchasing the business insurance that you need. For more details, visit us:- http://www.redcarpetsites.com
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