Mon Sep 22 2008
David Dahan
Insurance Checklist for Small Businesses
Whether you are starting a new business or trying to sustain an existing one, obtaining the right insurance policies is as much of a necessity as hiring the right staff and selecting the perfect location for your company.

It is always a good idea to seek guidance from a broker who has an understanding of the types of insurance you will need to make sure your business runs smoothly and is protected from unforeseen obstacles. The power of success lies in your knowledge and education to protect your business from scams and rip-offs. Getting assistance from a competent and reliable insurance professional can be key to managing risk and creating the proper level of protection your company needs to thrive.

Below, Orgill/Singer & Associates has provided a Business Insurance Checklist. This list will help you remember which types of policies are necessary for complete coverage of your business:

• Property and Liability Insurance
• Commercial Auto Insurance
• Employment Practices Liability Insurance
• Workers Compensation Insurance
• Employee Benefits

To keep with employee benefit trends, you should also think about offering individual or voluntary benefits to your employees including:

• Dental/Vision
• Life Insurance
• Short/Long Term Disability
• Long Term Care Insurance
• Specialized Commercial Insurance (if applicable)


Working strategically with your insurance professional can help you fully protect your business and provide quality benefits to fit the needs of your employees.

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David Dahan is chief executive officer of Orgill/Singer & Associates.



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