BUSINESS INSURANCE

As a business owner, you should be aware of a number of insurance coverages. For example, most states require that you provide coverage for on-the-job injuries to your employees. Or if your business suffered the loss of an owner, partner, key stockholder or key employee, you may incur a financial loss.

Here are some business insurance coverages you'll want to consider:

Stephen Smith Farmers Insurance Agency
112 N. 4th Ave. • Sandpoint, Idaho 83864
Call: (208) 265-4562 • Fax: (208) 263-7866
E-Mail: farmers1@sandpoint.net

• Buildings -- including improvements you have made.
• Contents -- including personal property, stock and equipment.
• Crime -- including loss of money and securities; theft, burglary and robbery; employee dishonesty; forgery and alterations.
• Equipment Breakdown -- including air conditioning, refrigeration, electrical and mechanical equipment.
• Computers -- including hardware, software, media and reproduction costs.
• Business Liability -- including premises, operations, products and completed operations.
• Personal Injury -- including libel, slander, defamation of character, wrongful eviction and invasion of privacy.
• Accounts Receivable -- including a debt owed to an enterprise, arising out of the normal course of business dealings.
• Workers' Compensation -- including life and health insurance coverage for employees while they are on the job.
• Loss of Earnings or Rents
• Valuable Papers
• Glass
• Signs
• Medical Payments
• Business Auto
• Umbrella Liability