{"id":4648,"date":"2020-08-13T04:34:41","date_gmt":"2020-08-13T04:34:41","guid":{"rendered":"https:\/\/469899a3-97a5-4c9b-8d86-b9629724411a.cc10.conves.io\/?p=4648"},"modified":"2020-08-13T04:34:41","modified_gmt":"2020-08-13T04:34:41","slug":"what-happens-to-businesses-without-insurance","status":"publish","type":"post","link":"https:\/\/swflinsurance.com\/what-happens-to-businesses-without-insurance\/","title":{"rendered":"What Happens to Businesses Without Insurance?"},"content":{"rendered":"<p>Business insurance is used in order to protect businesses from lawsuits and other losses that could have a large financial impact otherwise.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Required_Business_Insurance_and_Penalties\"><\/span>Required Business Insurance and Penalties <span class=\"ez-toc-section-end\"><\/span><\/h4><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/swflinsurance.com\/what-happens-to-businesses-without-insurance\/#Required_Business_Insurance_and_Penalties\" >Required Business Insurance and Penalties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/swflinsurance.com\/what-happens-to-businesses-without-insurance\/#Industry_Requirements\" >Industry Requirements<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/swflinsurance.com\/what-happens-to-businesses-without-insurance\/#Business_Lawsuit_Risks\" >Business Lawsuit Risks<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Business insurance requirements vary by state. Most states require businesses to carry a minimum amount of: <\/p>\n<ul>\n<li><strong>Workers Compensation:<\/strong> Workers compensation provides financial assistance for employees that are injured on the job. <\/li>\n<li><strong>Commercial Auto Insurance:<\/strong> Commercial auto insurance covers vehicles used or owned by a business for work purposes. <\/li>\n<\/ul>\n<p>Operating a business without workers compensation can result in legal action such as fines or jail time. Even in states that don\u2019t require workers compensation, operating without this insurance can lead to lawsuits from employees due to injuries obtained at work.<\/p>\n<p>Legal action can also be taken against businesses that fail to carry the proper commercial auto insurance. Most states require a minimum amount of liability insurance. In Texas, for example, businesses must carry: <\/p>\n<ul>\n<li>$30,000 in bodily injury liability per person<\/li>\n<li>$60,000 in bodily injury liability per accident<\/li>\n<li>$25,000 in property damage liability <\/li>\n<\/ul>\n<p>This is the minimum amount required and not the only insurance available. If a commercial vehicle is covered with personal auto insurance instead of commercial auto insurance, an accident while the vehicle is being used for work will not be covered. In fact, an insurance provider may cancel a policy if they discover a commercial vehicle is insured with personal auto insurance and vice versa.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Industry_Requirements\"><\/span>Industry Requirements <span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Business insurance can also be required depending on the industry. In some cases, insurance can be required in order to obtain a license or purchase a location. Without the proper insurance, a business may not be able to open a physical location or receive the necessary license for their practice.<br \/>\nEssentially every industry has some insurance requirements. Insurance requirements for industries can also vary depending on the state. Some industries are excluded from workers compensation depending on the state, for example.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Business_Lawsuit_Risks\"><\/span>Business Lawsuit Risks <span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Aside from legal repercussions, lawsuits can be a large repercussion for not carrying insurance. Lawsuits can come from a range of incidents from general liability property damage and injuries to professional negligence, directors and officers lawsuits and employee claims.<br \/>\nThe majority of businesses that fail within their first 5 years of operation is due to a lack of funds. A single uninsured lawsuit can ruin a business not only in reputation, but with the expensive costs of court fees, defense costs and payouts. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Business insurance is used in order to protect businesses from lawsuits and other losses that could have a large financial impact otherwise. Required Business Insurance and Penalties Business insurance requirements vary by state. Most states require businesses to carry a minimum amount of: Workers Compensation: Workers compensation provides financial assistance for employees that are injured on the job. Commercial Auto Insurance: Commercial auto insurance covers vehicles used or owned by a business for work purposes. Operating a business without workers compensation can result in legal action such as fines or jail time. Even in states that don\u2019t require workers compensation, operating without this insurance can lead to lawsuits from employees due to injuries obtained at work. Legal action can also be taken against businesses that fail to carry the proper commercial auto insurance. Most states require a minimum amount of liability insurance. In Texas, for example, businesses must carry: $30,000 in bodily injury liability per person $60,000 in bodily injury liability per accident $25,000 in property damage liability This is the minimum amount required and not the only insurance available. If a commercial vehicle is covered with personal auto insurance instead of commercial auto insurance, an accident while the vehicle is being used for work will not be covered. In fact, an insurance provider may cancel a policy if they discover a commercial vehicle is insured with personal auto insurance and vice versa. Industry Requirements Business insurance can also be required depending on the industry. In some cases, insurance can be required in order to obtain a license or purchase a location. Without the proper insurance, a business may not be able to open a physical location or receive the necessary license for their practice. Essentially every industry has some insurance requirements. Insurance requirements for industries can also vary depending on the state. Some industries are excluded from workers compensation depending on the state, for example. Business Lawsuit Risks Aside from legal repercussions, lawsuits can be a large repercussion for not carrying insurance. Lawsuits can come from a range of incidents from general liability property damage and injuries to professional negligence, directors and officers lawsuits and employee claims. The majority of businesses that fail within their first 5 years of operation is due to a lack of funds. A single uninsured lawsuit can ruin a business not only in reputation, but with the expensive costs of court fees, defense costs and payouts.<\/p>\n","protected":false},"author":2,"featured_media":4652,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"What Happens to Businesses Without Insurance? Business insurance is used in order to protect businesses from lawsuits and other losses that could have a large financial impact\u00a0otherwise. \u00a0 Required Business Insurance and Penalties\u00a0 Business insurance requirements vary by state. Most states require businesses to carry a minimum amount of:\u00a0 Workers Compensation:\u00a0Workers compensation provides financial assistance","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_metasync_otto_title":"","_metasync_otto_description":"","rank_math_title":"","rank_math_description":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-4648","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-swfl-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Happens to Businesses Without Insurance? - SWFL Insurance<\/title>\n<meta name=\"description\" content=\"What Happens to Businesses Without Insurance? Business insurance is used in order to protect businesses from lawsuits and other losses that could have a large financial impact\u00a0otherwise. \u00a0 Required Business Insurance and Penalties\u00a0 Business insurance requirements vary by state. Most states require businesses to carry a minimum amount of:\u00a0 Workers Compensation:\u00a0Workers compensation provides financial assistance\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/swflinsurance.com\/what-happens-to-businesses-without-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Happens to Businesses Without Insurance? - SWFL Insurance\" \/>\n<meta property=\"og:description\" content=\"What Happens to Businesses Without Insurance? 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