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May Q&A: Available now
This month, the Making Sense team answers client questions related to trade policy developments and their impacts on key economic issues.
When you're running a small business, you've got a lot on your plate. There's keeping your business going, making a profit, strategizing for the coming year and more.
You don't want to worry about what happens when the unexpected hits—an employee gets hurt on the job or there's a claim of negligence—potentially leaving you exposed. Unfortunately, these issues can cause way more than a headache. You could face liability and financial strain, too.
Professional liability coverage can help give you some peace of mind and protect you and your business from potential risks. Here are some of the different types of liability insurance small business owners should consider.
Every business faces risks. You probably know small businesses are no exception to that rule. Trouble can come from anywhere, from mistakes made by you or your employees, to accidents on the job and other threats.
These are some common areas of liability small business owners often encounter:
It's key to prepare for potential business risks and find ways to minimize them. If you don't, you could be found liable for damages, and having to pay out costs that could put a significant financial burden on your business.
The best way to protect yourself and try to mitigate some risks is to get insured. These are some of the more common types of business insurance that may fit your needs.
There's no one-size-fits-all coverage that works for every small business. Instead, look at your business and determine your risks, which can vary depending on the size of your business and your industry.
Here are a few things to consider:
Once you have a better idea of the potential risks your business may face, choose the types of professional liability insurance that work best for your situation and needs.
When you have the right coverage, you'll be able to spend your time focusing on running your business—instead of worrying about the unexpected.
William Connolly III
SVP, Senior Commercial Risk Advisor
This material is for informational purposes only and is not intended to be an offer, specific investment strategy, recommendation or solicitation to purchase or sell any security or insurance product, and should not be construed as legal, tax or accounting advice. Please consult with your legal or tax advisor regarding the particular facts and circumstances of your situation prior to making any financial decision. While we believe that the information presented is from reliable sources, we do not represent, warrant or guarantee that it is accurate or complete.
Third parties mentioned are not affiliated with First-Citizens Bank & Trust Company.
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