Does an at-home business need commercial insurance?

Running a business from your home office does not necessarily mean that you are completely exempt from needing any insurance coverage. You don’t have the same risks hanging over your head as you would if you ran a factory, a storefront, a warehouse, or even if you were doing house calls, but you do take on some risks, for instance:

General Liability

You need an amount of liability coverage if anyone is going to be visiting you at your home office. Your existing liability policy might be enough coverage if nobody ever really visits except for maybe your business partner or the occasional client. If you are having people regularly coming to your home to buy from you or to show up for photo shoots, hairdressing, or anything related, then you may need to talk to Sound Choice Insurance Agency, Inc in Lynnwood, WA about getting your Washington business covered for basic liability concerns.

Libel And Legal Concerns

If you work in any capacity as a publisher or a content producer, then it may be worth looking into professional liability coverage. This will help you to keep your assets safe should you be hit with a libel case, for instance. In truth, most libel cases are a bluff. People send cease and desist orders to try and scare you into taking something down. Although, it’s good to have the backing of professional liability insurance to make sure that you can afford to call them on that bluff.

No matter your industry, you probably have some insurance concerns to consider. Whatever your risks, it might not be a bad idea to call Sound Choice Insurance Agency, Inc to keep your Lynnwood, WA business covered. Our agents can help answer your questions and guide you through the insurance process.

Boat Rental Insurance: How It Protects Your Business

In Lynnwood, WA, boat rental is a popular business choice. If you are a boat rental business owner, you need to understand how insurance can protect your property. In this way, you can avoid damage caused by those who rent your boats. We at Sound Choice Insurance Agency, Inc can help you sort through this intricate process.

How It Helps Your Business

Boat rental insurance is an essential item for anyone who owns a rental company. Boats provide a unique difficulty for many to understand, including problems that could occur while on the water, such as breakdowns and accidents. Good boat rental insurance will cover the issues that occur when somebody rents a boat from you.

What It Covers

Commercial boat rental insurance covers a variety of problems, including personal injuries suffered during an accident, medical payments, fuel spills, damage to the boat caused by environmental concerns, damage caused by accidents, and the trailer used to haul the boat.

All of these items are crucial to cover, as any of them could be seriously impacted. It will also help cover some lawsuit business costs and prevent you from losing too much money during a trying and difficult legal case.

The Costs Of Boating Insurance

Is boat rental insurance expensive to purchase? Typically, it is comparative to most types of commercial insurance. Naturally, the exact cost will vary depending on the company you choose. In some instances, blanket or umbrella policies may be available for all of your boats.

If you live in Lynnwood, WA and need boat rental insurance, please contact us at Sound Choice Insurance Agency, Inc. We will help you sort through your coverage options and find a policy that works for your unique needs. Please don’t hesitate to take this important step.