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Posted by: thepinetree on 06/19/2009 10:53 AM
Updated by: thepinetree on 06/19/2009 10:56 AM
Expires: 01/01/2014 12:00 AM
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Home-Based Businesses Need Business Insurance ~By Steve Hayward
Angels Camp, CA...The dream of owning a business is becoming a reality for thousands of people each year. For many of these would-be captains of industry, that means starting the operation at home. However, your enterprise may be in jeopardy if you don't have business insurance...
You need business insurance because most homeowners policies place limits on business-related exposures. For instance, a copier or fax machine used for business and damaged in a fire may not be fully covered because it is considered business property.
Also, the homeowners policy does not cover business liability, loss of income, exterior signs and many other important items. If a client were injured at your home while conducting business, your homeowners policy would not apply. Anyone who operates a home-based enterprise and does not have the proper insurance coverage is putting his or her business and personal assets at risk.
Business insurance may provide many or all of the coverages listed below:
Accidental direct physical loss coverage for business personal property.
Broader off-premises property coverage Loss of income coverage Extra expense coverage Contractual liability coverage Liability of employees while acting within the scope of their employment.
Many entrepreneurs start their businesses on shoestring budgets and try to cut corners by keeping expenses at a minimum. But when you consider what you get, business insurance becomes a tool you can't afford to work without.
Steve Hayward State Farm is much more than just an insurance agency. They are a full service financial services specialist that can meet your needs for Insurance, Mutual Funds, Banking, Credit Cards and even Loans. They serve All of Calaveras County including:
- Altaville
- Angels Camp
- Arnold
- Avery
- Bear Valley
- Burson
- Camp Connell
- Campo Seco
- Copperopolis
- Dorrington
- Douglas Flat
- Glencoe
- Hathaway Pines
- Mokelumne Hill
- Mountain Ranch
- Murphys
- Rail Road Flat
- San Andreas (County Seat)
- Sheep Ranch
- Vallecito
- Valley Springs
- Wallace
- West Point
- Wilseyville
Home, Life, Health & More
Homeowners Insurance
Whether you own a house or condominium, or live in rental property, we have a policy that is right for you.
Health and Disability
We can help you with Individual Medical, Disability policies, Long Term Care, Medicare Supplement, and Supplemental Medical Insurance.
Find the plan that meets your needs.
Life & Annuities
We offer a broad spectrum of Life Insurance and Annuities products to fit most situations. Learn More.
Business Insurance
Let us help you build the best strategy for a secure business future. Get Started.
State Farm Mutual Funds©
With a wide variety of investment choices, State Farm Mutual Funds may have options to fit your needs. Check out our helpful guide to find the right fund for you.
Build your future one decision at a time.
Bank Accounts
Bank with a company you already know and trust.
State Farm Bank® offers convenience, security and competitive rates on a wide range of products.
Switch your accounts to State Farm Bank!
Online banking makes it possible for you to bank from anywhere, any time. Pay your bills online, get detailed transaction information and transfer funds between your State Farm Bank accounts quickly and easily.
Our friendly customer service is available 24 hours a day, 7 days a week.
FDIC Transaction Account Guarantee Program
Take a quick tour of our bank
View all State Farm Bank® Accounts
Special Information on Tax Forms
Credit Cards
Carry the credit card that fits your lifestyle.
State Farm Visa® credit cards meet your unique needs by offering a choice of credit cards with a variety of features, rates, and rewards.
# Worldwide acceptance and ATM accessibility
# Know you are secure with 24-hr Good Neighbor service
# Free auto rental coverage that complements your policy
# Keep track of your spending with FREE year-end summary statements now available when you access your State Farm Credit Card account.
# No annual fee
Select the card that's right for you
Check your credit
Loans
Let a good neighbor
lend a hand.
State Farm Bank® offers competitive loan products including:
# Mortgage Loans
# Home Equity Loans/Line of Credit
# Vehicle Loans (or a loan for a new boat or new RV)
# Business Loans
Go with a name you already
know and trust.
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