Best Small Business Insurance
Best Small Business Insurance
As a potter, you shape clay into beautiful objects that give interior spaces a touch of artistry and texture. Whether you build by hand or use a wheel, you’re a master of your craft who delivers enduring pieces to happy customers.
While your finished objects are lovely, they go through a messy process from raw clay to glaze to the kiln.
And because you work with potentially hazardous tools and equipment throughout this process, you take on risk as a small business owner.
For example, should the cell phone or clothing of a visitor to your studio get hit with a splash of glaze, they could accuse you of property damage. Likewise, if a visitor were injured by your kiln, they could sue you for the cost of their medical bills.
That’s why most pottery business owners need general liability insurance. This business insurance provides coverage for damage or injury caused by your fine art product, your pottery store, and other aspects of your craft.
When you know your business has adequate coverage, it’s that much easier to get centered and keep on throwing your beautiful wares.
Thimble’s general liability insurance for potters is designed to provide coverage for the following kinds of claims.
Your workshop is filled with tools like pottery knives, not to mention heavy tubs of clay and glaze. Should a client injure themself while visiting your studio, they could sue you for the cost of their medical treatment. Pottery Insurance provides a legal defense as well as a payout of damages.
3rd party property damage
Likewise, the items in your studio have the potential to stain and ruin items from shoes to clothing and beyond. Should clay or glaze damage a visitor’s property, they could sue you for the cost of its replacement or repair.
One of the key benefits of general liability insurance to a pottery business is product liability coverage. Just like the scenarios described above that could occur in a pottery studio or place of business, general liability can also account for injury or damage that occurs after the product has left your hands. If you ship a finished piece to a customer or they take it home, you could still be held liable if the customer claims your product was to blame for such injury or damage.
General liability insurance is designed to cover small business owners against claims of property damage from non-employee third parties. However, it doesn’t contain any protection for your property.
For that, you need separate coverage. Choosing insurance coverage for every area of your business can be daunting, but when you take out monthly insurance via Thimble, our optional Business Equipment Protection (BEP) coverage can be bundled in. This means you’ll have coverage for the tools you rely on to get the job done. In the insurance world, this is also known as inland marine insurance.
When you take out monthly general liability, choose whether to add this coverage to any property you regularly take with you when you take your tools and supplies off premises to visit clients, give demonstrations to teach classes.
The cost of your specific coverage depends on your industry, location, and the specific terms you select.
First, input a few quick details about your business including your ZIP code and crew size. Then, select your coverage term (choose from hourly, daily, or monthly) and the amount of coverage you need.
Ready to see your personalized insurance quote?
In less time than it takes to read this page! Really.
Once you’ve reviewed your quote, you can purchase your insurance with a click. You’ll immediately receive your policy documents and your Certificates of Insurance in your email inbox.
They’re also available via the Thimble mobile app.
It’s up to you to choose between a $1 million and $2 million limit.
While $1 million could potentially cover the cost of legal defense and payouts for any given claim, extended $2 million coverage could give you more peace of mind at an affordable cost.
No, they’re not. While general liability insurance can cover third-party bodily injury, it does not cover injuries sustained by your employees.
For that, you’ll need workers’ compensation insurance. Keep in mind that most states require businesses to cover their employees with workers’ comp.
It’s as easy as 1, 2, 3. One, get a quote and make adjustments to meet your needs. Two, review it and purchase with a click.
Three, view your Certificate of Insurance (COI) in your email and via the Thimble mobile app. With one more thing crossed off your to-do list, you can get back to shaping (pun intended) your small business.
Cleaners and Janitors insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.