Types of insurance to help protect small businesses
回顾不同类型的pp王者电子官网为小企业主和其他重要的规划提示.
Whether you’re working a side gig 或者雇用数百人，你在你的工作中投入宝贵的时间和专业知识 small business. And while you’re rightly focusing on your goals, 你还应该考虑如果你被黑客入侵，你会失去什么, injured, 被起诉或面临许多其他商业财务现实.
一份商业财务清单是一个很好的起点，它可以帮助你找到帮助你储蓄和保护你未来财务状况的选择. Here are some ideas to get started.
What insurance could a small business need?
Individual health insurance
In qualifying states, 个人健康pp王者电子官网提供《pp王者电子官网》要求的基本福利. 你也可能有资格获得补充pp王者电子官网，以帮助支付基本健康pp王者电子官网政策未涵盖的费用, such as deductibles, private duty nurse fees, extra transportation and unexpected child care. This may help everyone, especially those who aren’t covered through another employer or group.
Disability insurance
短期和长期残疾会从你的收入中拿出一部分来支付账单, mortgage payments or rent, groceries and car payments, if you become totally disabled due to an injury or illness.
Life insurance
这种pp王者电子官网在你去世时向指定的受益人提供收入. 它也可以用来支付税收和其他转让费用，以及偿还债务. Business Life 金融产品，如买卖协议和关键员工pp王者电子官网可以帮助确保 business continuity if something happens to you or a key employee.
Professional liability
职业责任pp王者电子官网保护您的企业和个人资产，以防因疏忽或未能履行专业服务而发生索赔或诉讼. 这种pp王者电子官网也被称为过失或错误和遗漏pp王者电子官网，可以帮助提供服务的企业, advice or guidance, such as accountants, ad agencies, appraisers, bookkeepers, brokers, doctors, engineers, event planners, barbers, beauticians, dentists, financial planners, insurance agents, lawyers and writers.
Workers' compensation insurance
Since it is required by most states, 雇员一经录用就获得这类pp王者电子官网是个好主意. 如果你的员工因工作受伤或死亡, 工人赔偿pp王者电子官网提供的福利可以帮助支付医疗费用, ongoing care, replacement of lost wages or funeral costs.
Business property and contents
商业pp王者电子官网涵盖你工作或存放商业财产的建筑物和其他结构, and covers items such as inventory, furniture, computers, 可能在火灾或其他承保损失中被盗或丢失的工具和设备. 您还可以为商务车辆、移动设备和工具购买pp王者电子官网. This type of insurance may help retailers, offices, distributors, restaurateurs, landlords, 承包商和一系列非营利性和营利性企业, both in-home and out-of-home.
Small business succession planning and estate planning
Succession planning
你知道如果你死了，你的生意会怎么样吗? Take care of the future of your business by having a succession plan in place. 这个计划将表明你希望出售公司或指定一个合伙人, 家庭成员或者可能是一个雇员来承担责任.
Estate planning
It is important to have a plan for your business that conserves and distributes property before and after your death. Among its goals: provide cash payment for estate expenses; provide income to your family members; provide for the disposition of a business at death; distribute assets to family members and other heirs in a tax-efficient manner; and aid in financial planning for an individual with special needs.
