Business Insurance – Types & Benefits 

బిజినెస్ ఇన్సూరెన్స్ అంటే ఏమిటి?

Business Insurance అనేది వ్యాపారాన్ని అనుకోని ప్రమాదాల నుండి రక్షించేందుకు తీసుకునే భీమా. ఇది fire, theft, natural calamities, employee injuries, machinery breakdowns, third-party liabilities లాంటి రిస్క్స్ నుండి కవరేజ్ ఇస్తుంది.

బిజినెస్ ఇన్సూరెన్స్ రకాలు (Types of Business Insurance):

1. Fire & Property Insurance

  • Business premises, machinery, stock, furniture loss కి compensation.

  • Fire, lightning, riots, natural calamities వల్ల వచ్చే నష్టాల్ని కవర్ చేస్తుంది.

2. Public Liability Insurance

  • Third-party injury లేదా property damage business వల్ల జరిగితే, compensation cover chestundi.

3. Professional Liability Insurance

  • Service-based businesses ki.

  • Clients ki wrong advice వల్ల loss ayithe compensation cover chestundi.

4. Workers’ Compensation Insurance

  • Employees ki injury/workplace accident వల్ల medical expenses + compensation cover chestundi.

5. Business Interruption Insurance

  • Fire లేదా disaster వల్ల business temporarily close ayithe, loss of income cover chestundi.

6. Commercial Vehicle Insurance

  • Goods transportation or delivery vehicles ki coverage.

7. Product Liability Insurance

  • Product valla customer ki injury/damage ayithe cover chestundi.

ప్రయోజనాలు (Benefits):

  • Risk-free business operations

  • Protects physical assets, employees, and customers

  • Legal protection

  • Peace of mind for business owners

  • Mandatory for certain industries

👉 Running a business? Don’t take risks.

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