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- Property Damage: When customer property is damaged by your work or by an employee, business owners' policy insurance may help pay for repairs or replacement.
- Bodily Injury: If someone other than an employee is injured on your property, a business owner's policy can help with medical expenses plus legal expenses and damages.
- Product Liability: If products developed or sold by your business harm people or property, property and liability insurance could help pay legal expenses associated with product liability lawsuits and medical expenses if an injury occurs.
- Libel, Slander, and Copyright Infringement: A business owner's insurance policy helps protect you against some lawsuit expenses from personal and advertising injury. Advertising injury can include disparaging another business in your advertisements, stealing an advertising idea, and more.
- Your Building or Leased Space: This coverage protects the building you own or even a building where you are required to provide insurance coverage as part of the lease.
- Contents of Your Building: Property insurance can cover inventory, equipment, tools, and other people’s property in your building that has been damaged by an employee, yourself, theft, natural disaster, or weather.
- Income From Your Business: In the event of a disruption resulting from property damage, you may be covered for the expenses needed to resume business, including net income, payroll costs, and even temporary business relocation. This aspect of the coverage is sometimes called “business interruption insurance” or “business income insurance.”
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