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*Disability Liability policies are not yet supported
Even with the proper precautionary measures and safety practices in place, workplace accidents, injuries, and illnesses can still happen. If even one incident occurs, paying for an injured employee's medical expenses out-of-pocket could be astronomical. Additionally, if an injured employee sues your business because of the accident or injury, it could put your business at greater financial risk. Workers' compensation insurance is designed to protect both your flower shop and your employees from such circumstances. If you have one or more employees, your state could require you to carry workers' compensation insurance. The mandate may apply to full-time, part-time, and seasonal employees as well as subcontractors you hire from time-to-time. If an employee becomes injured, ill, or suffers an accident due to a workplace incident, a workers' comp policy may help to cover his or her: • Medical expenses • Hospital bills • Surgeries • Rehabilitation treatments • Partial income replacement
If the property you own or lease for your painting business becomes damaged, recovering financially could be difficult. If some of your equipment or inventory becomes damaged, replacing your assets out-of-pocket may not be a possibility. Coverage from a businessowners policy (BOP) could help you pay for repairs if your building becomes damaged by fire or if a pipe leak causes massive water damage. A BOP often also covers acts of theft and vandalism. If damage prevents you from being able to operate your painting business for some time, a businessowners policy may help to cover temporary loss of income.