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You’ve invested a lot of time, money and sweat in your small business, so it makes sense to protect that investment with smart insurance coverage. In fact, business insurance should be an essential part of your business operations — a necessity for safeguarding your business assets, your employees and your livelihood.

From food spoilage caused by equipment breakdown, fire damage, and employee or customer injuries onsite, Restaurant insurance helps protect you from the risks you face as a restaurant owner.

What coverage do you need?

Business insurance policies come in many forms to cover many needs. Several factors determine what coverage you’ll need and the rate you’ll pay, such as the nature of your business, whether you operate from a commercial building or home office and whether you have employees. Below are the most common types of coverage that small businesses need:

• Property insurance: Property insurance covers your buildings, equipment, inventory and other contents.

• Liability insurance: If you have customers visiting your business, general liability insurance protects your business in the event a customer is injured on your property. It also pays for your legal defense if you face a lawsuit because your product or service causes harm. If you provide services that could cause others’ financial loss, you also may need professional liability coverage.

• Workers’ compensation: If you have employees, you need workers’ compensation insurance to cover medical expenses and lost wages arising from illnesses or injuries triggered by their work.

• Business interruption: If your business is unable to operate because of a covered property loss, business interruption insurance covers lost income during the downtime.

• Disability insurance: If you own a small business, a disabling injury or illness could be financially devastating. Several income protection options are available for business owners, including business overhead expense insurance, key person insurance and bank loan disability insurance.

Don’t leave your business unprotected. When you’re ready to shop for small business insurance, get instant access to top business insurance companies and the most competitive options with themiagroup.com. It’s fast, easy, convenient — and free.

How much can you save on business insurance? Find out today by requesting a free quote at themiagroup.com.