Galveston small business combined group health insurance rates

Renter’s Insurance

Tenants need residential insurance, too. Oh, not that they need to cover the building they live in—that’s the responsibility of the landlord. But there are areas of protection that an Galveston small business combined group health insurance rates policy covers that can help the renter sleep well at night.

Insurance on Personal Property

Renters need to protect their personal property against perils such as fire and theft, just as homeowner’s do. The Galveston small business combined group health insurance rates policy provides this coverage in a manner similar to the homeowner’s policy discussed in the last chapter.

The amount of insurance you should purchase in this regard should be sufficient to pay for the value of your property at the time of loss. In order to be fully protected, be sure to take a complete inventory or have the property professionally appraised.

Liability Protection

Many renters believe they are not responsible for people who are injured while visiting their home, believing that such injuries are the responsibility of the landlord. Unfortunately, as the old song says, “It ain’t necessarily so.” It all depends on where the injury happens.

For example, assume your friend comes to visit you. He climbs the stairs toward your second-floor apartment. While he’s on the stairs, the bannister breaks and he falls, breaking his leg. In such a case, the owner of the apartment and his or her insurance Galveston small business combined group health insurance rates policy would indeed be on the hook, not you.

On the other hand, assume your friend gets up the stairs and safely rings your doorbell. You let him in. immediately, you attack-trained toddler pushes his favorite fire engine into the path of your friend, who trips on it and breaks his leg. Is the landlord on the hook for your friend’s shattered tibia? No, you are. And without Galveston small business combined group health insurance rates insurance, you may not only lose a friend but you could have several fewer zeros to print at the end of your bank account.

Beyond such, “internal injuries,” renters can also get into trouble in the world outside their apartment door. The liability portion of the Galveston small business combined group health insurance rates policy protects the insured from these potential perils in the same manner as does the homeowner’s policy described in the last chapter.

…Continued in Galveston small business employee handbook