{"id":261,"date":"2021-03-22T04:00:00","date_gmt":"2021-03-22T10:00:00","guid":{"rendered":"https:\/\/www.swinsurance.com\/blog\/?p=261"},"modified":"2021-02-09T13:55:07","modified_gmt":"2021-02-09T19:55:07","slug":"3-common-myths-about-commercial-insurance","status":"publish","type":"post","link":"https:\/\/www.swinsurance.com\/blog\/3-common-myths-about-commercial-insurance\/","title":{"rendered":"3 Common Myths About Commercial Insurance"},"content":{"rendered":"<p>So your Austin, TX business has finally gained some footing in the local business community, and now you&#8217;re ready to call Southwest Insurance Center to get protected. This may be completely new territory for you. You&#8217;ve bought car insurance before, you&#8217;ve bought home insurance, but this is your first time insuring a business. So let&#8217;s take a moment to dispel some common myths:<\/p>\n<h2>1. Very Small Businesses Don&#8217;t Need Insurance<\/h2>\n<p>Whether or not you need insurance isn&#8217;t really about how much money you&#8217;re taking in or the square footage of your shop, it&#8217;s about risk. Your main concern is a liability. If you could potentially be held liable for injury or damages, you need insurance, whether you&#8217;re a mom &amp; pop or a Fortune 500.<\/p>\n<h2>2. My Home Insurance Will Cover My Home-Based Business<\/h2>\n<p>Actually, your home insurance might cancel your policy if they find out you&#8217;ve been running a business out of the garage without telling them. Your home insurer may provide some basic coverage for items like laptops and home printers, but they&#8217;re not going to cover inventory or most business equipment.<\/p>\n<h2>3. All I Need Is General Liability<\/h2>\n<p>General liability is perhaps the most important part of your policy, but it only covers you against claims made by others. It doesn&#8217;t protect your store, inventory or equipment.<\/p>\n<p>There&#8217;s a lot to learn when insuring your business in Austin, TX, but the good news is that Southwest Insurance Center is here to show you the ropes. If you&#8217;re ready to invest in a policy or if you just have some questions you&#8217;d like answered, get in touch and find a policy that works for your business.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>So your Austin, TX business has finally gained some footing in the local business community, and now you&#8217;re ready to call Southwest Insurance Center to get protected. This may be completely new territory for you. You&#8217;ve bought car insurance before, you&#8217;ve bought home insurance, but this is your first time insuring a business. So let&#8217;s [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[5,6],"class_list":["post-261","post","type-post","status-publish","format-standard","hentry","category-insurance","tag-austin-tx","tag-southwest-insurance-center"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/261","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=261"}],"version-history":[{"count":1,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/261\/revisions"}],"predecessor-version":[{"id":262,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/261\/revisions\/262"}],"wp:attachment":[{"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=261"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=261"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.swinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}