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Every business owner understands how important good insurance is to keep their investment safe. Most companies choose to purchase general liability, workers’ compensation, and other operational policies as standard protections. However, the insurance industry is full of unique and bizarre coverage options. The agents at Chanler Agency, with offices in Geneseo and Livonia, NY, share with you some of the most fascinating and outlandish policies some people can put in place.

Protection for Body Parts

Business InsurancePerformers and entertainers need to protect the tools of their trades. That’s why many opt to purchase body part insurance to protect the parts of their bodies they use to make money. For example, a model may insure their legs to protect themselves in the event of a career-threatening injury. This way, they won’t have to worry about replacing their income until the injuries heal.

Sense Protection

Everyone from quality control ice cream tasters to wine sommeliers rely on their senses to interpret subtle differences in the quality of a product. For these individuals, a standard business insurance policy would contain coverage for their senses, whether it’s their nose or taste buds. However, many people in these professions are barred from engaging in activities that would threaten the strength of their senses—such as eating spicy foods.

Insurance for Vital Employees

If your business depends on a single employee as part of your regular operations, you may have the option to take out an insurance policy on that employee. Should they pass away unexpectedly, the business would then receive funds to help find a suitable replacement and cover additional expenses that may result from losing the employee. Keep in mind the employee must give their permission before this type of business insurance policy can be purchased.

No two businesses are alike, and the insurance policies you need can change as your business grows. Let the experienced agents at Chanler Agency help you find the perfect business insurance policy for your company. Learn more about their coverage areas online, and call (585) 243-5520 for the Geneseo location or (585) 346-3118 for the Livonia office to discuss your company’s needs.

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