Protect Your Small Business from These Common Insurance Claims

Protect Your Business from Insurance Claims

Common insurance claims for small businesses help us understand what parts of your business are most at risk. The smaller your business, the bigger the financial impact could be if you are sued or experience a loss that is not covered by your insurance policy. To help you understand where you need to improve your business’s protection, check out these common insurance claims so you can review your business insurance in Reading, PA.


One thing that is consistently a top concern for businesses is fire – After all, it can happen anywhere and at any time. The average cost of a fire claim is $35,000, with 10 percent of small business owners being affected. Check your policy to see if the claims settlement is replacement cost to cover items lost in the fire or whether it’s actual cash value.

Reputational Harm

Claims that involve libel, slander, and violation of right of privacy are known as reputational harm and are the most expensive claims that businesses can experience. Luckily, you can prevent this from happening by requesting background checks on employees and vendors, having a professional look over your advertising copy, and having an emergency preparedness plan ready.

Visitor Injury or Damage

As soon as you open your doors to the public, it is your responsibility to keep them safe. If a visitor gets injured while on your premises, then that can lead to a bodily injury claims against your business. The most common form of bodily injury is slip and fall. There are ways to reduce the risk of this happening, such as having good lighting, ensuring all pathways are clear, placing floor mats inside doors, and ensuring all floors are dry.

To prevent the possibility of your company suffering an insurance claim, be sure to put these prevention tips into place. Contact Insurance Offices Ltd. today for reliable business insurance.



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