CHASE LAW NAVIGATOR

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INSURANCE

Businesses need insurance of all kinds.  In many cases, paying outright for legal issues is not feasible for businesses.  Therefore, the insurance needed must be customized for each business to meet its needs, dependent on various factors including level of risk.

COMMERCIAL PROPERTY INSURANCE

How does commercial property insurance protect businesses?


If stolen, damaged or destroyed, business property insurance can help cover the costs to repair or replace business property. It can also help protect you from a variety of claims against your business. Learn more here.




I am a tenant, do I need to insure my landlord's building?


Whether you are required to insure your landlord's building is a matter of contract, which you should negotiate before going into a lease. If you rent your facility, you will need to know this because you do not want to be liable for something and also be uninsured. Learn more here.




I am a tenant, do I need to insure my business personal property or will my landlord's policy cover such insurance.


Whether your personal commercial property inside your landlord's building is covered by your landlord's policy is a matter of contract. You will need to read your lease or speak with your landlord. An attorney can help you negotiate the terms of your lease to determine who holds each policy and who indemnifies who. Learn more here.





HEALTH INSURANCE

Am I required to provide health insurance for my employees?


Depending on the number of employees, you may be required, as a business, to offer health insurance for employees. The laws on health care may change in the current political climate, but the Affordable Care Act has some requirements that businesses as of 2020. Learn more here.




Can I provide health insurance only for select employees?


Generally, no, you cannot discriminate as to who gets health insurance. You either offer it to employees or you do not. However, you may be able to limit enrollment to full time versus full time employees. Learn more here.





LIABILITY INSURANCE

How does commercial property insurance protect businesses?


If stolen, damaged or destroyed, business property insurance can help cover the costs to repair or replace business property. It can also help protect you from a variety of claims against your business. Learn more here.




I am a tenant, do I need to insure my landlord's building?


Whether you are required to insure your landlord's building is a matter of contract, which you should negotiate before going into a lease. If you rent your facility, you will need to know this because you do not want to be liable for something and also be uninsured. Learn more here.




I am a tenant, do I need to insure my business personal property or will my landlord's policy cover such insurance.


Whether your personal commercial property inside your landlord's building is covered by your landlord's policy is a matter of contract. You will need to read your lease or speak with your landlord. An attorney can help you negotiate the terms of your lease to determine who holds each policy and who indemnifies who. Learn more here.





OTHER TYPES OF INSURANCE COVERAGE

How does commercial property insurance protect businesses?


If stolen, damaged or destroyed, business property insurance can help cover the costs to repair or replace business property. It can also help protect you from a variety of claims against your business. Learn more here.




I am a tenant, do I need to insure my landlord's building?


Whether you are required to insure your landlord's building is a matter of contract, which you should negotiate before going into a lease. If you rent your facility, you will need to know this because you do not want to be liable for something and also be uninsured. Learn more here.




I am a tenant, do I need to insure my business personal property or will my landlord's policy cover such insurance.


Whether your personal commercial property inside your landlord's building is covered by your landlord's policy is a matter of contract. You will need to read your lease or speak with your landlord. An attorney can help you negotiate the terms of your lease to determine who holds each policy and who indemnifies who. Learn more here.





WORKER'S COMPENSATION INSURANCE

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