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Essential Enterprise Protection Options for UT Firms Necessary Coverages Basic Responsibility Policy: Provides for external bodily harm, real estate destruction, as well as promotional liabilities (for example client falls inside your shop). Typical local expenses: between $300 and $600 per year . Commercial Building Protection: Protects physical business premises—establishments, stock, machinery—protecting against fire, burglary, as well as act of God disasters. Employee Work injury coverage: Mandatory required for the state firms, providing for treatment charges in addition to missed income for occupational accidents . Commercial Truck Insurance: Compulsory covering business automobiles, featuring greater obligation thresholds suggested for company cars. Niche Add-ons Occupational Responsibility (Faults & Omissions): Vital protecting consultants, tech companies, in addition to consulting providers experiencing professional misconduct allegations . 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