Insurance Myths

Myth #13: I’m self-employed and don’t have employees. Workers' Comp Coverage isn’t available.
Workers' Compensation insurance laws have changed. In the past, you couldn’t get coverage if you didn’t have employees, but that’s no longer the case. You can protect yourself from on the job injuries with Workers' Comp.

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Inland Marine Insurance

Don’t let the fact that Inland Marine Insurance has an odd name stop you from considering it as part of a comprehensive business insurance plan. Originally created to cover the transportation of goods over water, it has expanded over the years to cover goods in transit on land as well, including:

  • Property being transported
  • Buildings under construction
  • Computer equipment and data
  • Accounts receivable
  • Fine artwork

Does your business need Inland Marine Insurance?

Depending on the type of small business you own, this coverage can be essential to protecting business property. Think about the items you place in your car or truck on a daily basis to get your work done or the valuables, including data, you own or are responsible for. Most property policies limit or exclude coverage for these items.

Or perhaps you are in the construction trade or are building an addition to your office. Inland Marine Insurance can protect the building materials—and a contractor’s tools and equipment.

If you clean, repair, service or perform work on property of others, Inland Marine Insurance can work for you. It can cover losses to goods that occur at your premises, while being transported to or from your premises or in storage.

Find superior service with Morris Insurance

We know this type of insurance seems a bit tricky. Our agents can work with you to help you understand the benefits of Inland Marine Insurance. Contact a local Morris Insurance agent for more information and a free quote.