Business Insurance Checklist

1. Choosing insurance company

Consider experience, professionalism and stability of insurance company
Require careful assessment of your insurance needs
Get full selection of insurance products to meet your needs
Insurance company should guarantee advice, information and quality service in the case of loss occurrence
2. Grouping business needs to be insured

Workers' compensation insurance
Property insurance
Public/product/professional liability insurance
Car insurance
Business trip insurance
3. Defining objects to be insured

Buildings, roofing, foundations, internal walls, attached structures
External structures, fences, bridges, signs, etc.
Furniture, drapes, carpeting, decorations, etc.
Office equipment owned and leased (computer systems, phone systems, etc.)
Security systems (cameras, sensors, etc.)
Communication equipment (telephones, radio systems, satellites, etc.)
4. Defining events to be insured

Fire
Flooding
Windstorm
Earthquake
Hail
Lightning
Mudslide
Damage caused by aircraft
Explosions
Sinkholes
Arson
Theft
Check fraud
Embezzlement
Key Man insurance
Civil Authority losses (closure of airports and train stations in emergencies)
E & O (Errors and Omissions)
Vandalism
Roof collapse or damage
Foundation damage or collapse
Broken glass or damaged buildings and structures (caused by terrorism, war or riots)
Termite/insect/vermin damage
Mold/fungus damage