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Roussel Insurance & Financial Services

146 N. San Fernando Blvd Suite 203

Burbank, CA 91502


Phone: 818-848-3331
Fax: 818-848-2982  

info@rousselinsurance.com

 

CA Insurance License #0D51758

 


 

 

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New Year's Resolutions For Your Business

Business Insurance Trends For 2019

As we move into 2019, we wanted to provide you with our "business insurance resolution checklist". We suggest that you go over this list to verify that you have the best possible coverage for your business. Building a solid company in today's competitive and fast-moving world takes time, commitment, and foresight. Having solid business insurance can protect your assets, employees, and future.

We can design a commercial insurance program specifically for your business. There are some kinds of coverage that your business may not have considered. We offer you our checklist. Give us a call today.

Key Man Life - Covers the death of key owners, and revenue producers. In the event of the key person's death, the death benefit payout goes to the company and not the key employee's spouse or children. Key man life insurance policies act to inject liquid funds into the business to protect against a variety of financial losses. A company will have to scout out, hire, train and retain a new replacement employee. This is costly and the death benefit covers the expense of these burdens.

Professional Liability- Covers claims that come from giving advice. Today, almost any business can find itself facing a liability lawsuit. Many businesses do not even realize they have an exposure to professional loss. A Management Liability lawsuit can put business and personal assets at risk, including the company's assets, and even the personal possessions of the owners. One simple mistake could cause financial devastation, as well as end your professional career.

Workers' Compensation Insurance - This coverage is usually required by law for small businesses with employees. This insurance provides benefits for employees who are injured or die from job-related causes. 

Employment Practices Liability- Provides your business with coverage for harassment, wrongful termination and other claims brought by employees.
Business Income- This coverage can provide extra funds should your business suffer a covered loss. It can include coverage for extra expenses to set up a temporary location as well.

Cyber Liability- If your business handles customer data, such as credit card or bank account numbers; data breaches pose a serious threat to your financial stability. Cyber Liability Insurance protects against the expenses associated with a data breach, which can run into the hundreds of thousands of dollars.

Roussel Insurance & Financial Services is a recognized leader in the insurance industry. We offer highly competitive insurance rates for both business owners and individual services. 

Disclaimer

This information is intended for the client, individual or entity to which it is addressed. These articles contain concepts and opinions, and are not intended to represent the consensus of the insurance or risk community, nor to provide professional legal or tax advice.  Please seek professional legal or tax counsel before making any decisions.  The information provided does not change or modify any insurance policy, only the actual terms of the in-force policies will govern claim settlements