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R. David Bulen Insurance Agency Paying too much for your Insurance? Not sure? Call us to compare. It’s fast, easy and best of all there is no cost to you! Experienced and licensed staff working for you to provide the best company, coverage and price available. You will always have a service team assigned to you. At each renewal we will quote your current policy to make sure you are still receiving the best coverage and price. Multiple policy discounts available. R. David Bulen Insurance is a professional team of caring individuals committed to providing superior products and service to our valued growing customer base. Are You A Business Owner looking for Competitive Insurance? Whether you’re looking for workers compensation insurance, commercial auto coverage, general liability or professional liability for your business, R. David Bulen Insurance is committed to finding you affordable and comprehensive insurance coverage, never compromising on protection or quality. You’re never just a number to us – and when you need your insurance coverage to respond, it’s like having family in the business. Looking For Personal Insurance? We have strong relationships with the most competitive carriers you’ll find anywhere. These strong relationships help us get you the valuable protection you need, and the fast – responsive claims handling service you expect when you need us most.
What Insurance Policies Do New Businesses Need?
R David Bulen Insurance AgencyWhen you start a business, one crucial consideration is what kind of insurance you should buy. Make no mistake, improperly insuring your business can put your business on the line for thousands of dollars in claims. But, what kinds of business insurance does your new business need? 1. Worker's Compensation Insurance Every business needs worker's compensation insurance to cover medical bills, lost wages, and even death benefits to employees who are injured on the job. In most states, businesses are required by law to have worker's comp insurance. 2. General Liability Insurance Many businesses may believe that, if they don't have clients or workers at their office, they have no need for liability insurance. However, your business could still be liable for injuries if a deliveryman or even just a random stranger is injured on your business property. General liability can help your business avoid thousands of dollars in expenses if there is an injury on your property. 3. Property Insurance Property insurance protects your business property from losses due to theft, fire, or another type of damage. Be sure to protect your supplies, furnishings, and business equipment by buying business property insurance. 4. Business Interruption Insurance If a natural disaster or fire closes your business down for more than a day or two, you could stand to lose thousands of dollars in revenue. Business interruption insurance will help pay your bills and keep your business afloat while your area recovers from a disaster or while your building is repaired. 5. Business Owner's Insurance A business owner's insurance policy is kind of a hybrid insurance that often combines property insurance, business interruption, and liability insurance. These policies are usually cheaper than paying for separate property, business interruption, and liability policies. 6. Employment Practice Liability Insurance Frivolous lawsuits are rampant these days, and just because an accusation is ridiculous and unfounded, doesn't mean that your business won't face the hassles and expenses of a lawsuit. Employment practice liability insurance can cover legal expenses and allow you to focus on running your business if you are unfairly accused by a former employee. If you have questions about your new business and its insurance needs, contact R. David Bulen Insurance Agency today!   Source: http://www.inc.com/magazine/20080901/how-to-buy-the-right-business-insurance.html
Lisa Mosby
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