Falls Church Location
6400 Seven Corners Pl., Ste. D
Falls Church, VA 22044

703-533-1127

Fax: 703-564-8501

Small Business Insurance in Falls Church VA & Miami FL

Pequenos negocios

Sus pequeñas empresas necesitan muchos tipos de cobertura para asegurarse de manera adecuada contra pérdidas en caso de ciertas bajas comerciales comunes. Los elementos comunes del seguro para pequeñas empresas incluyen:

  • Seguro de responsabilidad general: esta póliza cubre un negocio contra reclamaciones que surgen de problemas como difamación, calumnias, gastos médicos, daños a la propiedad, gastos médicos y el costo de la defensa contra una demanda.
  • Seguro de responsabilidad civil por productos defectuosos: si se ocupa de un producto, ya sea manufactura, venta minorista, venta al por mayor o simplemente distribución, usted puede ser responsable de mantener la seguridad de ella (y de las personas que la rodean). La cantidad requerida depende principalmente de los productos involucrados: cuanto más grandes y / o más pesados son los productos, más cobertura se necesita.
  • Seguro de Responsabilidad Profesional: De manera similar, si brinda algún tipo de servicio profesional, es posible que necesite cobertura por errores, mala praxis y negligencia. Se requiere que algunas compañías tengan este tipo de cobertura (especialmente, aunque no exclusivamente, aquellas en el campo médico). Seguro de propiedad comercial: si su pequeña empresa posee cualquier tipo de propiedad física (una oficina, una tienda minorista, un almacén, etc.), esta cobertura lo protege contra una amplia variedad de daños naturales y provocados por el hombre. Si su empresa es particularmente vulnerable a cierto tipo de daños (inundaciones, vandalismo, etc.), es posible que necesite cobertura adicional para ese problema específico.

Seguro basado en el hogar: si tiene un negocio de su casa, entonces el seguro de su propietario probablemente no cubra ninguna de sus operaciones comerciales. Es posible que deba comprar cobertura adicional por separado o como una extensión de su plan existente. Hable con 57 agentes de Insurance Agency, Inc. para averiguarlo.

Muchas otras formas de cobertura específicas de la industria están disponibles. Para obtener más información sobre qué políticas son las más importantes para su empresa, hable con uno de nuestros agentes y solicite una evaluación de riesgos completa. Puede buscar formas de seguro a través de fuentes confiables: esta información está disponible de forma gratuita en línea, cortesía de grupos como la Asociación Nacional de Comisionados de Seguros.


Your small businesses needs many types of coverage in order to adequately secure itself against losses in the event of certain common business casualties. Common elements of small business insurance include:

  • General Liability Insurance: This policy covers a business against claims arising from problems like libel, slander, medical expenses, property damage, medical expenses, and the cost of defending against a lawsuit.
  • Product Liability Insurance: If you deal with a product - whether it's manufacturing, retailing, wholesaling, or just distributing it - you may be responsible for keeping it (and people in the area around it) safe. The amount required depends mainly on the products involved - the larger and/or heavier the products are, the more coverage is needed.
  • Professional Liability Insurance: Similarly, if you provide any kind of professional service, you may need coverage for errors, malpractice, and negligence. Some companies are required to have this type of coverage (especially, though not exclusively, those in the medical field).
  • Commercial Property Insurance: If your small business owns any kind of physical property (an office, a retail store, a warehouse, etc.), this coverage insures it against a wide variety of natural and man-made forms of damage. If your business is particularly vulnerable to a certain type of damage (flooding, vandalism, etc.), you may need additional coverage for that specific problem.
  • Home-Based Insurance: If you're running a business from your home, then your homeowner's insurance probably doesn't cover any of your business operations. You may need to purchase additional coverage separately, or as an extension of your existing plan. Speak to a 57 Insurance Agency, Inc. agents to find out.

Many other industry-specific forms of coverage are available. For more information about what policies are the most important for your business, talk to one of our agents and ask for a full risk assessment. You can research forms of insurance through reputable sources—this information is available for free online, courtesy of groups like the National Association of Insurance Commissioners.

Insurance Requirements for Small Business

All small businesses are required to have Workers' Compensation, Unemployment Insurance, and sometimes Disability Insurance. Other requirements for small business insurance vary by industry, as well as local, state, and federal law.

What constitutes a small business?

The exact definition of a small business varies by industry, but according to the Small Business Administration, it's usually 500 employees or less for mining or manufacturing, and $7.5 million or less in revenue for other industries. Note that there are many exceptions to this rule, and they are listed in detail on the Small Business Administration's website.

 

1. "Insure U Get Smart About Insurance." Accessed April 14, 2016. http://www.insureuonline.org/smallbusiness/.

2. "Insurance Requirements for Employers." The U.S. Small Business Administration | SBA.gov. Accessed April 14, 2016. https://www.sba.gov/managing-business/running-business/insurance/insurance-requirements-employers.

3. "Summary of Size Standards by Industry Sector" The U.S. Small Business Administration | SBA.gov. Accessed April 14, 2016. https://www.sba.gov/contracting/getting-started-contractor/make-sure-you-meet-sba-size-standards/summary-size-standards-industry-sector.

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