Commercial Insurance
Ceramics and Pottery

What insurance coverage do you need for a ceramics business?


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2013-07-24 04:51:33
2013-07-24 04:51:33

A Business owners package policy should cover your studio for some property and the liability of your product and premesis. You might need to add on property coverage for your products if they are expensive or you maintain a lot of inventory and I would be careful about how you value it for insurance purposes. If your business has employees you need work comp, if you have vehicles for the business you need to get commercial auto insurance.

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Yes, you will need insurance coverage. In most instances, your business insurance will cover equipment leases.

A small business would need health insurance coverage to offer peace of mind to the owner and workers as it means if something happens they are covered and do not need to worry about expensive hospital bills.

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Forget he is your son. You must treat him like any other employee you would hire in respect to insurance coverage requirements. <><><> California law requires any business with even ONE employee have Worker's Comp insurance. If your son is an employee of the business, then yes, you need it.

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The coverage you need will be specific to your own needs. The best way to asses the coverage you'll need is to speak with someone at the insurance agency that holds your policy. They can help you decide what kind of coverage you'll need.

Insurance definitions found on the web can explain property and liability insurance more in detail. However the type of business you have will tell you what type of coverage you will need.

Your husband would do best in seeking out commercial property insurance of an all-risk policy, which covers those problems known to be common with small business.

Renters InsuranceNo. Your renters Insurance Policy is personal lines residential tenants coverage. It should provide coverage for your "Personal Property" and may have some liability and personal injury coverage as well. Your Renters or "Tenants Policy" would not cover your business property nor the property of another person. Your landlord is expected to have his own property coverage.If you need coverage for your business property you would need to pick up a business owners insurance policy. Your personal lines residential rental policy would not cover your business property.AnswerYou'd have to examine the contents of your vehicle insurance policy to determine what would be covered.

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The insurance that I carry for my Detail business is $500,000 policy that covers the trailer and its contents with comp and collision because I'm mobile, higher coverage for the tow vehicle, and coverage for any repair on and in the vehicle that I am working on.

Floor plan merchandise is a type of insurance coverage for inventory of certain kinds of business. The main reason for this type of coverage is that the amount of inventory fluctuates greatly during the year. Such as a retail jewelry store that has much higher amounts of coverage during holiday seasons. It allows them to have the coverage they need at the times that they need it. Sometimes this is also affiliated with reporting forms where the business reports the amount of their inventory usually on a monthly basis.

I've been in the Insurance Business 30 years, my Dad & Grandfather both were too. They taught me that if the client has the money for the premium, we have the policy. What is the need for the coverage?

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You need nothing at hand expect you must know where you are traveling to , what period of coverage you want, and the extent of coverage.

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