Question by Rachel: What kind of business insurance am I going to need?
I’m in the process of getting an estimate of how much a future business venture is going to cost. I’ve figured out pretty much everything except insurance. My business is an automated kiosk business and each kiosk costs about $ 50K with the merchandise inside and I’m starting out with 3. I’m wondering what kind of insurance I need and how much it would cost. I want to insure my merchandise and machines, but as I’ll be the only employee do I need anything beyond that?

Best answer:

Answer by Tom Z
In addition to covering your kiosks and inventory you will, without a doubt, need general liability as well as products liability insurance. As these kiosks are probably going to be situated on the premises of other businesses they will require you to carry liability insurance and they will be asking to be named as additional insureds.

If you are dealing with placement in a mall the mall operator will probably be requesting that you have limits of liability between $ 1,000,000 and $ 3,000,000.

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Business Insurance coverage for Missouri Insurance coverage is important for any business; there is no doubt about that. However, it is not the type of protection a business owner ought to hurry through purchasing. Buying business insurance is a complicated procedure and you want to make certain you obtain an insurance broker who will take the time to ensure that you get every one of the insurance covers your company requires to operate smoothly. Many industry owners believe that getting a Business Owners Policy (BOP) is the only kind of insurance that they will need, on the contrary this is not the case. Although BOPs are beneficial for most businesses, it is also wise to buy added business insurance policies to go along with a BOP that meet the exact needs of your industry.

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Question by mshercliff: What will happen if I cannot produce a business insurance certificate to the police?
I was caught with a dead brake light and given a producer. I was also caught in my work uniform and, because of the nature of the business, it was obvious I needed business insurance.

I am not insured on my own policy for business use – however, I am insured through my company with compulsary third party insurance.

My employer has made excuse after excuse about my insurance certificate and I now have only tomorrow to take it to the police.

I have taken all reasonable steps to obtain a certificate – but what can I do if I have to rely on someone else and they are being awkward about it?

At the end of the day, I am insured for business use but unless my employer “pulls his finger out”, I have no way of proving it and could face court or prosecution.

Any tips will be appreciated.
A few things:

I am insured for personal use! I have no qualms with giving them my Tesco insurance certificate but I am sure I am not insured for business use with them.

Best answer:

Answer by kathy s
What is a producer? It’s kinda foggy about what you actually do or who you really work for. I mean what kind of business. I’m sure you and/or your employer will at least be fined. In Delaware you can be put on probation for something like that. You and your employer need to get this insurance stuff straightened out or you should go get another job.

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Question by just making it happen: What insurance coverage is critical for a business that has little to no customer traffic?
When a business does most of its work online or in the clients location, what business insurance plans apply? Is liability insurance necessary for the office even if clients rarely come to the office?

Best answer:

Answer by Bvcbc
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Question by ZeeZee: How does business insurance work in a lawsuit?
As a small business, I’m finally getting around to looking at business insurance. God forbid I should get sued, but that would be the only reason I would get insurance at this point.

If I get sued (assuming I did nothing wrong that would terminate coverage), what are my responsibilities with regard to paying legal fees? What role will the insurance company play or what control will they have in the litigation process?

Best answer:

Answer by mabeckh
Your liability insurance carrier would be in total control of the litigation process. They would decide whether to settle, go to court, etc. without any input from you. They would also pay all defense costs.

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Question by Sweet Sue: Business Insurance?
Also what type of insurance does one need for a dollar store?

Best answer:

Answer by Jordan F
LOL… Your SO funny… Are you??

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