地板上有水，冬天入口湿滑，碎玻璃/危险碎片，灯光昏暗等. These are all accidents waiting to happen that make your business susceptible. Claims may arise due to bodily injury, 财产 damage, personal injury, 和更多的. 外, 停车场也存在安全风险，客人和/或员工之间可能发生肢体冲突.

Commercial 一般责任 insurance is an absolute necessity for any business. 当你被认为有责任和义务时，它将提供广泛的保险，并将支付任何涵盖的诉讼或行动的辩护费用, 不管它有什么优点.

If a patron is over-served at your establishment, 您可能要对与客人醉酒有关的损害或伤害负责.

酒责任保险包括辩护费用和醉酒顾客造成的人身和财产损失. 培训员工识别构成酒责任风险的顾客是一项需要考虑的关键风险控制措施.

如果你信任的员工被发现在工作中做了不诚实的事，你会怎么做?

Crime and fidelity coverage is designed to provide coverage for employee dishonesty, 伪造和保管, 盗窃, destruction and disappearance, 和更多的. Discuss the details of this coverage with your agent to learn more.

传统的一般责任和财产保险不能充分涵盖工作场所暴力索赔.

制定工作场所暴力和危机应对政策是为了提供与第三方责任有关的损害赔偿, 营业收入损失, and other expenses related to workplace violence.

如果你的员工受伤或生病，由于与工作有关的事件, you are required by law to have the proper coverage in place.

国家残疾和工人补偿保护你的雇员在工作期间发生工伤或疾病. This coverage is required by law, so be sure that you have it.

Your business 财产 is a significant financial investment. What if something happens to it?

商业财产保险可以帮助保护企业拥有或租赁的财产, including things like equipment, 库存, 家具, 及设施. Whether you own your building or lease your space, 商业财产保险可以单独购买，也可以与其他必要的保险相结合，以保护您企业的实物资产.

In the event of a covered cause of loss, most policies include coverage for the income you cannot collect. What happens if one of your key suppliers, such as your food or beverage distributor, is incapable of supplying you with what you need to keep your business running?

确保你的营业收入保险包括偶然营业收入保险，以防止由于关键供应商无法提供完成或执行服务所需的组件而导致的潜在收入损失.

与你的业务相关的外部标志容易受到火灾、破坏和天气的影响. 大多数商业地产政策都提供了标识的保险范围，但这可能还不够.

评估您的标识暴露，并确定您现有的商业财产保险单是否提供足够的保险范围. If not, increase the policy limit as required.

Flooding is the most commonly occurring natural disaster in the United States. It can occur in almost any location and to any business, even if your area isn’t designated as a high-risk flood zone. 你受到保护了吗??

洪水保险通常不包括在商业财产保险单中，但只要财产不在洪水高风险区，通常可以通过背书添加. If coverage is excluded from the policy, you should look into the cost to add it. 如果你的财产是在一个高风险的洪水地区，你将需要获得一个独立的政策. In either case, it’s important to have coverage.

平均而言，估计五分之三的企业将被员工起诉. Companies are vulnerable during the pre-hire process, 在就业, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.

Coverage to protect you against this risk normally comes as a standalone policy. 正确的覆盖范围对您的风险管理过程至关重要，因为它可以防止歧视, 错误的终止, 性骚扰, and other employment-related allegations. Typically, the policy will cover your business, as well as your directors and officers. Third party coverage is an added option, usually accomplished via a policy endorsement, 并解决客户或供应商因员工行为而对您提出的索赔.

Just about all businesses rely on technology in some way; it's increasingly used to store sensitive information, 比如信用卡, 密码, and social security numbers. However, you're at risk if this information is lost, stolen, or compromised. 事实上, 你甚至可能有法律义务提醒受影响的人，并可能支付任何经济损失.

Experiencing a data breach is often not a question of if but when. 确保网络责任政策可以覆盖与遵守数据泄露通知法律相关的费用, securing legal counsel to advise on incident response, 信用监察服务, 以及支付因违反隐私法而产生的监管辩护和处罚费用.

Providing a valet service is convenient for your guests, 但是损坏车辆, 财产, or causing injury is a very real risk associated with it.

购买一份一般责任保险，以保护您的企业免受第三方的诉讼. 确保车库管理员的法律责任政策也有效，有足够的限制，以涵盖任何对客人的车辆或现场其他车辆的物理损坏. If you are using an independent valet service, 获得保险证书，以证明他们有适当的保险范围和足够的限额. Also make sure that your business is named as an additional insured under their policy.

当您的企业面临超过标准保单基本限额的重大责任损失时，会发生什么?

你应该考虑购买商业伞形保险，它提供更高的限额, 一般在2美元之间,000,000元及10元,000,000, and often broadened coverages. Coverage is extended over various policies, including 一般责任 insurance, 商务汽车, and directors and officers liability insurance.