Start-Up Business Insurance
Every year, thousands of entrepreneurs venture out to start their own business. What drives these people to work long hours, little pay in the beginning, and risk it all? That incredible feeling that you get from starting your own company, seeing it succeed, and knowing you are the boss and it was your vision that made it happen. These brave entrepreneurs start a vast array of new business enterprises ranging from Home-Based businesses such as: Consulting, Web-Design, E-Commerce, Restauranteur, Bed & Breakfast, Commercial Cleaning Service, Senior Care Services, Import/Export Business, New Product Development, Child Care Services, Retail Store, Property Management/Investment, Construction, Manufacturer, Medical Devices Distributor, Media, to signing up with one of the 1000’s of franchise businesses that are available to you these days. Since the web is currently everywhere, you don’t have to limit your business to just your local area, you can sell to the entire world. In current times, there is no limit to what business you can start. Also, with more companies making software for mobile devices, the sky is the limit to what new and exciting business opportunities are available to entrepreneurs.
After you have done your due diligence, research, market research, and financial planning, let PJO Insurance Brokerage put together an insurance plan that fits your needs and protects your hard earned assets.
Consulting
Too many times, consultants who work from a home office assume that their standard homeowner’s policy will cover losses related to a home-based business. Unfortunately, that is not the case. A typical homeowner’s policy may cover as little as $2,500 for in-home inventory and equipment (such as computers) and $250 for incidents that occur outside the home. As any business owner will tell you, it’s very easy to have much more then $2,500 invested in your business.
Business Insurance
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PJO Insurance Brokerage
Phoenix, Arizona 85050
E-Commerce
When an ecommerce business begins to grow, new risks mount and site owners should examine insurance options. Online businesses differ from their brick-and-mortar counterparts in ways that present unique challenges for insurance companies. A typical small ecommerce business might operate in the following manner: the business owner runs the site from his/her desktop in Phoenix, AZ; the “store” is on a server in Los Angeles, and a third-party fulfillment company houses the products in Kansas City, MO. Data security, in which the most commonly publicized areas of exposure involve unauthorized access to customer data and/or the dissemination of customer data by accident or through fraud . For online merchants, “it becomes an added obligation to protect that data. There are potential liabilities if that information is compromised or exposed. What happens when a business interruption is caused by third-party providers? At times, business may be interrupted when customers are unable to access the website because of disruption or denial of service. Server problems during the Christmas-buying season can have a devastating impact. Business interruption can also occur because of disasters such as a fire at secondary support locations — your main supplier or your warehouse. In today’s world with so many new ventures starting up, it is in your best interest to have one of our professionals take a look at your e-commerce business and design a plan that will protect your business.
Software Developer