Workers Comp insurance

For work’s “oh no” accidents.

Having Workers Comp is a must-have operational expense when you have employees. It pays for lost wages (up to a certain amount), medical bills, and recovery costs for employees who are injured or become ill on the job. Medical bills can include the cost of doctors’ visits, hospital bills, prescriptions, and prosthetic devices.If an employee dies, it will cover funeral costs and benefits to the worker’s family.

“Work from home” insurance if something goes wrong.

It’s great having the flexibility to work from home – you get to set your hours and be there when the family needs you. With this set-up come risks like potential damage or theft to your business equipment, office furniture and valuable papers, injuries to visiting clients or vendors, employee accidents, and professional liability exposures related to the real-estate work and services you provide. Your homeowners insurance is not designed to provide coverage for an at-home business. Look into buying home-based business insurance that includes General Liability and Property coverage as well as Errors & Omissions. If you have employees, you’ll also need Workers’ Comp insurance.