Business Auto Insurance For Art Gallery
As the owner of art galleries and studios, you travel frequently. You may need to drive to view new potential artwork to put onto display or you may need to travel to meet with special clients. Business auto insurance protects your company when an auto accident happens. If you or one of your staff members is involved in an auto accident when driving for business reasons, this insurance can pay for many different types of damages. Depending on the levels of coverage you select, it pays for repairs and replacements to property, medical bills for bodily injuries, losses caused by theft and more.
Workers Compensation Insurance For Art Gallery
According to the law of most states, an employer must carry workers comp insurance for all employees who are on the payroll. Workers comp provides coverage for your staff if they ever become injured in an accident on the job. Workers comp will pay the employee’s temporary disability expenses if they must be off work for recovery. It also pays hospital or emergency care expenses and follow up costs such as rehabilitation or physical therapy.
Commercial Umbrella Policy For Art Gallery
When major accidents happen they can become very expensive. Sometimes your standard business insurance policies may reach their maximum benefit payout limits when there are a lot of damages or injuries to account for. When those maximums are reached, a commercial umbrella policy can provide you with additional levels of benefit payments.