Insurance Coverage for Small Businesses
Angielski dla biznesu
Insurance is not only going to be important to you, but it will be important to your other business relationships. For example, if you choose to lease office space, the landlord will typically require that you furnish a certificate of insurance or be listed as an additional insured on your policy as assurance that your business will not disappear overnight in the event a loss occurs. Here are some of the risks that should be protected by insurance...
Tłumaczenie:
Ubezpieczenie może być ważne nie tylko dla Ciebie, ale również dla Twoich relacji biznesowych. Na przykład, jeśli zdecydujesz się wynająć powierzchnie biurową, właściciel będzie wymagał, aby dostarczyć świadectwo ubezpieczenia albo być wymienionym w polisie jako jedna z osób ubezpieczonych jako zapewnienie, że twój biznes nie zniknie nazajutrz w przypadku, gdy wystąpi szkoda. Oto niektóre ryzyka, które powinny być chronione ubezpieczeniem...
1. If your business has employees, worker's compensation insurance will be mandatory. The insurance company should assume 100 percent of the worker's compensation insurance risks. This category includes:
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Auto coverage for company vehicles
Health insurance plans tailored to fit the size of your business. This coverage will help give you an edge when recruiting good employees
A. Liability Insurance
2. A Comprehensive General Liability policy is designed to provide coverage to third parties for the following:
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Personal and Advertising Injury
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Fire Legal Liability
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Products and Completed Operations
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Medical Expense or Medical Payments
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General Liability for your premises
B. Worker's Compensation insurance
3. These are liability limits available over and above the maximum limit your carrier of choice may write. They can be accomplished in two ways:
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Excess limits can typically be added at extra cost to the underlying package policy
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Purchasing what is called a "commercial umbrella." This can typically provide excess coverage over and above most underlying package policies, including the business policy, business auto, and worker's compensation.
C. Employment practices liability
coverage
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Employment Practices Liability insurance is a coverage that is starting to be carried by more companies, with premiums exceeding $2,000 annually for $1 million of coverage. While employment practice liabilities are rarely encountered in a small operation, the threat of wrongful termination or sexual harassment lawsuits, which are excluded under most business policies, become more prevalent as the size of your organization grows.
D. Excess liability coverage
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As mentioned earlier, if you have a partner, your buy-sell agreement can be funded by life insurance in the event of the death of a partner. As your business grows this insurance can be increased.
E. Life insurance
Słownictwo:
coverage – okoliczności objęte polisą ubezpieczeniową
landlord – gospodarz, właściciel domu czynszowego
to furnish – dostarczyć
assurance – ubezpieczenie asekuracja
compensation – odszkodowanie
to assume – założyć że
to tailor – dopasować
third parties – osoby trzecie
liability – odpowiedzialność
to accomplish – zrealizować, wykonać
underlying – zasadniczy
Lekcja przygotowana przez:
Katarzyna Kaszyńska Katarzyna Kraszewska s.c.
ul. Olesińska 21
02-548 Warszawa
tel/fax: 022 845 60 05
info@professional.com.pl
www.professional.com.pl
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