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Choose the best business Insurance Plan for business

What is business insurance?

Business insurance protects you from the unexpected costs of running a business. Accidents, natural disasters, and lawsuits could run you out of business if you’re not protected with the right insurance. Whether you're operating in bustling cities like Dubai, Abu Dhabi, United Arab Emirates, Umm Al Quwain, or Sharjah, or in quieter areas like Al Ain or Ajman, having adequate insurance coverage is crucial to safeguarding your business interests in the UAE, including locations such as Ras Al Khaimah, Fujairah, and Umm Al Quwain.

Pick the type of business insurance you need

The protections you get from choosing a business insurance can fill in the gaps to make sure both your personal assets and your business assets are fully protected from unexpected catastrophes. In some instances, you might be legally required to purchase certain types of business insurance. The federal government requires every business with employees to have workers’ compensation, unemployment, and disability insurance. Some states also require additional insurance. Laws requiring insurance vary by state, so visit your state’s website to find out the requirements for your business in places like Dubai, Abu Dhabi, or Sharjah, as well as other locations across the UAE such as Al Ain, Ajman, Ras Al Khaimah, Fujairah, and Umm Al Quwain.

Four steps to buy business insurance

  • Assess your risks. Think about what kind of accidents, natural disasters, or lawsuits could damage your business. For example, if your business is located in a commercial area that is at risk from seasonal events such as fire or hail storms, commercial property insurance will help protect against loss.
  • Find a reputable licensed agent. Commercial insurance agents can help you find policies that match your business needs. They receive commissions from insurance companies when they sell policies, so it's important to find a licensed agent that’s interested in your needs as much as his or her own.
  • Shop around. Prices and benefits can vary significantly. You should compare rates, terms, and benefits for insurance offers from several different agents.
  • Re-assess every year. As your business grows, so do your liabilities. If you have purchased or replaced equipment or expanded operations, you should contact your insurance agent to discuss changes in your business and how they affect your coverage.

The Right Types of Insurance for Businesses

There are many types of insurance options out there that business owners can get. Insurance helps protect your company from different risks that can come up during normal operations. Choosing what business insurance (sometimes called commercial insurance) you need can seem overwhelming, but we’re here to help.

Many business owners start with a Business Owner’s Policy (BOP) for their small business insurance needs. It combines three essential coverages:General liability insurance, Commercial property insurance, Business income insurance

We made our BOP customizable, so you can add other business insurance coverages to get more protection. For example, if your business provides a professional service to customers, you may want to get a professional liability insurance policy. It can help protect your business from claims that it made a mistake in the professional services given. We know every business is different. That’s why we’re here to help you get the right types of business insurance.

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