Mailbox store insurance needs are commonly met with these types of coverage:
Why Do You Need Mailbox Store Insurance?
What happens if a customer slips and falls on your floor and breaks an ankle? An employee suffers an injury while on the job? Your equipment is stolen? Your facility is damaged by a fire? Your employee drops a customer’s package damaging the valuable item(s) inside? Customer mailboxes are vandalized and the contents removed? Your customer’s property is stolen or lost while in your custody? You are sued for misleading advertising?
While none of these disasters may befall you, have you considered what could happen if any of these events did occur? Fire, theft, injuries, lawsuits ... if even one of these happens, your business could be in jeopardy. Taking a chance is not worth it! B2Z Insurance helps you select and purchase the right coverage to protect your livelihood.
What Kind of Insurance Coverage Do You Need?
Business Owner’s Policy (BOP).
A BOP policy offers good overall coverage at an affordable price. The BOP combines commercial property with general liability insurance plus some additional coverages. It helps repair and replace your building and belongings after a fire. It provides lost income if a covered event results in a business interruption. It protects you in the event of damage to customer property, customer injuries that occur in your store and lawsuits related to advertising claims. That’s only the tip of the iceberg; a BOP can make your small business whole after any number of events.
Workers’ Compensation Insurance.
Workers’ compensation protects you if your employees become sick or get injured due to circumstances in the workplace. Lifting heavy boxes, repetitive motions, slipping on a wet floor and knife cuts are examples of how employees can be injured on the job. Workers’ comp is required in almost every state to help pay the cost of medical care, cover lost wages and eliminate the business owner’s liability if the injured worker decides to sue.
Some mailbox store owners opt for additional insurance. The most common are cyber liability, professional liability and commercial auto insurance.