Fiber Optic Cable Installers
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Fiber Optic Cable Installer Insurance
Running a fiber optic cable installation company is hard but rewarding work. You get the enjoyment of being on the front line for new technology and bringing service to new areas. You also must manage many details: Job locations, security and safety hazards, while meeting the needs of your company, your customers and your employees. You need to protect the hard work and monetary investments you've made with the best small business insurance coverage you can get.
General Liability For Fiber Optic Installers
$36 A Month
Can your fiber optic company afford to pay customer damages if they are injured in your work space? What will you do if a customer’s property is damaged? What happens when a product you sell is found to be defective at a later date? All of these potential hazards can be covered with a general liability insurance policy. It is designed to grow as your company grows, and it expands to protect new products, services and business locations as you add them.
Business Owners Policy (bop)
General liability insurance is automatically included in a business owners policy (BOP), and you expand your company’s protection with a number of other options.
- Equipment Breakdown – Your fiber optic company won’t be conducting much business if critical equipment breaks down. Protect yourself from these unexpected expenses with a BOP.
- Buildings and Contents - If the warehouse that your business keeps its equipment and supplies in gets roof damage in a storm, a BOP helps cover the cost of repairs. If other tangible assets inside your business building suffer damages from fire, floods and other disasters, those costs are covered too.
- Business Income and Extra Expense – When your business buildings or other tangible assets are out of commission due to damage or destruction, you can lose a lot of income. A BOP covers you during times of suspended business operations, and helps pay for temporary work space and equipment as well.
- Products and Completed Operations (Included in General Liability) – A BOP protects your company from liability after products are sold and contracts are completed.
- Electronic Data – The specialized software you use to bid for contracts, design installation solutions or just manage jobs can be damaged by a number of different events. Computers get viruses and software can become corrupted if your backup power supply fails in a storm.
- Newly Acquired or Constructed Buildings – When you add business structures for storage or operations, a BOP can help protect them from damage or loss as well.
- Valuable Papers Protection – If your fiber optics installation company is entrusted with original blueprints, losing them in a fire or flood can be costly to replace.
- Employee Dishonesty Coverage – If one of your employees is found to have been stealing from your company or performing other dishonest acts, a BOP will protect your company from those losses.
When you have employees on the payroll you must also have workers comp insurance. If one of your employees is injured while performing their job, workers comp will take care of medical payments and related injury or recovery expenses.
Any company or personal vehicles that you use for business purposes can be protected with commercial auto insurance. This pays for repairs and replacements if one of the vehicles is involved in an accident, and covers medical expenses when an auto accident causes injuries.
Surety bonds provide guarantees to your customers. If one of your suppliers is unable to deliver materials on time it may compromise the completion time of your contract. A surety bond pays your customer losses and damages if things of this nature occur.