When
providing computer consulting, especially when you actually provide
computer services, you are always at-risk that something can go wrong
with your clients' computers, software or systems. As a consultant,
you should make sure that you have the necessary liability coverage
to handle any situation that may occur. The Agency specializes in handling
computer consulting insurance needs including but not limited to the
following examples:
General
Liability - bodily injury or property damage you or your employees may
cause while performing the job,
Workers
Compensation - covers you and your employees for job related injuries
(required by state law),
Umbrella
- provides higher coverage limits over your basic primary policies,
Professional
Errors & Omissions - "Malpractice", covers professional
mistakes which you or your employees cause and result in a financial
loss to your client which you are responsible for,
Bonds
- financial guarantees,
Business
Equipment & Computers - office furniture and supplies, Fire &
Theft,
Auto
Liability - owned or leased, employee non-owned on business use or hired,
Group
Health - medical and dental plans for employees, and
Disability
& Life - individual income continuation, key man, partners buy-sell
agreements.
Most
consultants feel that they are very careful and never had a problem
or caused a loss before. The fact is that it only takes one mistake
or error to create a potential lawsuit. And, it only takes one law suite
or claim to put you out of business. The real reason we should buy insurance
is to protect our business assets and family dreams. Don't let a loss
or an error destroy your business and deplete your family assets. Insure
yourself properly, contact us today.
Home
Office
When
working from home, you have some specific issues that you do not normally
need to worry about when working in an office.
Liability
- most home policies will not provide liability coverage if a client
or third party is injured or suffers property damage during the course
of a business transaction,
Property
& Equipment - your traditional home insurance policy may not cover
furniture and computers that are used in the course of your home business,
Auto
Insurance - owned, non-owned and hired, your policy must be written
to handle any issues that are specific to business car needs, and
Workers
Compensation - providing coverage to you and your employees for work
related injuries (required by state).
Home
business and home offices are becoming much more common today. Coordinating
your home and business insurance is important to avoid any gaps in coverage.
Please contact us to discuss your home based business.
First
Year Business Owner
There
are many concerns and costs associated with starting up your business.
A thorough examination of your risk of loss should be performed with
your insurance agent. We understand the budget restrictions and business
decisions you will need to make and can help you in selecting the right
insurance.
No
matter what specific computer consulting insurance needs you have, Kape
Insurance can work with you to resolve these insurance issues and to
begin that process, please fill out a quote
request.
Business Insurance
