When it comes to insurance for your personal care services business, you want coverage that can help you achieve your business goals. With a PolicySweet® Business Owners Policy, we’ll make sure your coverage can give you the same confidence you give your customers. From General Liability to Workers’ Compensation, each insurance policy can protect your business from financial risks and provide you with peace of mind.
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Most Popular Types of Coverage:
In a service type industry, you are usually working with other people which can expose you to risks daily. With the right coverage your business can survive potential dangers it may encounter. Personal care professionals can protect themselves with insurance coverages like:
BOP
By combining three basic types of coverage together, a Business Owners Policy (BOP), can help protect your business against multiple risks. It encompasses general liability, business property, and cyber liability coverage into one bundle. Purchasing these policies together typically costs less than purchasing each policy separately.
Business Liability Insurance
Business liability insurance could protect your business from any legal fees associated with a third-party lawsuit. This includes property damage, bodily injury, and advertising injury. If your business does not have liability insurance and it is found responsible for an incident, you could be required to cover expenses related to an injury claim out of pocket.
Commercial Property Insurance
A commercial property insurance typically covers the loss of business property due to damage, vandalism, or theft. Whether you rent or own the property, the cost to repair or replace it could be covered. It can replace lost income as well related to property damage.
Cyber
If your business stores personally identifiable client or employee information, it could be vulnerable to lawsuits if the information becomes lost or stolen. Cyber insurance can cover costs related to a system hack or data breach including customer notification and hiring professionals to investigate the incident.
Workers’ Comp
For business owners who hire employees, Workers’ Comp could provide benefits to employees who experience a work-related injury or illness. In exchange for these benefits, an employee relinquishes their right to a sue their employer unless the business intentionally contributed to an illness or injury. Medical expenses, wage replacement, and recovery costs could be covered for employees harmed while performing work duties.
HomeHQ
Does your business operate from your home? If so, HomeHQ coverage could help protect your business from common issues that a homeowners’ or renters’ policy does not typically cover.
Who Needs Insurance for Personal Care Service Businesses?
Personal care service businesses should consider obtaining insurance if they want to protect their business against risks. PolicySweet provides coverage to the following personal care businesses:
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