Liability Insurance Companies: Quotes and Rates

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Small Business Insurance
Business Liability Insurance Rates. Leading Companies - Instant Quotes.
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Professional Liability
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Business Insurance Quotes
Free Quotes. Agents near you. Quick & Easy. Wide Choice of Carriers.
www.MostChoice.com

Listings

American Physicians Cap.
Medical professional liability insurance company servicing health care providers, with a concentration in the Midwest.
www.acaponline.com

AECSelect
Construction lawyer and independent insurance agent providing risk management services and professional liability insurance for architects, engineers and contractors.
www.aecselect.com

Agway Insurance Group
Marketer of farm and personal insurance coverage to members of agricultural and rural communities in the northeastern US.
www.agwayinsurance.com

Liability Insurance
AIG Environmental® - Comprehensive pollution insurance policies responding to the environmental exposures of various businesses and industries.
www.aig.com (Paid)

Aviation Insurance Group (AIG)
Online quotes and policies available for general/corporate aircraft insurance, airport liability and property insurance.
www.aigltd.com

Allen Lawrence & Associates
Liability insurance helps protect you and your company from liability arising from day-to-day business operations. Professional liability insurance covers omissions, errors, misleading statements, breaches of duty, and other like claims arising ...
www.allenlawrence.com

Attorneys Liability Protection Society
A mutual risk retention group serving attorneys in 12 states and the Virgin Islands with professional liability insurance. Headquarterd in Missoula, Montana.
www.alpsnet.com

APA-Sponsored Professional Liability Insurance Program
Specializes in coverages designed and priced specifically for psychiatrists and other behavioral healthcare professionals.
www.apa-plip.com

Arden Financial
We have developed a proprietary marketing system that provide our clients significant reductions on their professional liability insurance expense.
www.ardenfinancial.com

ABA - Sponsored Insurance Program
Sponsored by the American Bankers Association. Created by bankers for bankers to reduce participating banks' exposure to insurance market cycles.
www.banks-progressive.com

Business Insurance Now
Provider of business insurance, including errors and omissions, professional liability and general liability insurance for small businesses.
businessinsurancenow.com

Chubb & Son
Provider of executive protection and professional liability insurance. Please note that not all coverage are available on an admitted basis in every state.
cber.chubb.com

Copic Insurance Company
Provider of professional liability insurance and related coverages and services to Colorado physicians, hospitals, and medical entities.
www.copic.com

Dentists Advantage
Dentist's Advantage offers one of the most comprehensive and affordable professional liability insurance policies around.
www.dentists-advantage.com

General Liability Insurance
Learn the ropes, find an agent, get a quote, and apply online!
www.einsure.com (Paid)

Washington Street Insurance Group
Provides fiduciary liability and risk management for Trustees. Offers Union officials, agents and employees added protection.
www.fidpros.com

Gulf Insurance Group
Provider of property and casualty and executive liability insurance. Division of Citigroup.
www.gulfinsurance.com

Hunter Insurance Services
Provider of quotes for liability, workers' compensation and other small-business insurance.
www.hunteronline.com

InsurePro
We are a service oriented, one-stop shop boutique broker committed to business liability insurance clients.
www.insurepro.net

Agents
The Construction Risk and Insurance Specialist (CRIS) program is a specialized curriculum focusing on the insurance and risk management needs of construction projects and contractors.
www.massagent.com

Medical Mutual Insurance Company of Maine
Provider of medical liability insurance in Northern New England.
www.medicalmutual.com

Physicians Recipricol Insurers
Provides professional liability insurance for physicians in New York State as well as professional and general liability coverage for hospitals and health care facilities.
www.medmal.com

Mutual Insurance Corporation Of America (MICOA)
Professional liability and workers' compensation protection provider. Site has an online journal for doctors and peer review services.
www.micoa.com

Medical Insurance Exchange of California
Provider of professional liability insurance under a claims-made contract to individual physicians, physician groups, and facilities in California, Nevada, Hawaii, Idaho and Alaska.
www.miec.com

Medical Liability Mutual Insurance Company
Provides professional liability insurance for physicians and dentists in New York.
www.mlmic.com

Monitor Liability Managers, Inc.
Nationwide company specializes in directors' and officers' liability insurance, employment practices liability insurance, lawyers' professional liability insurance and management liability insurance.
www.monitorliability.com

Monroe & Monroe Insurance
Offers tank owner liability and petroleum equipment contractors and dealers. Developed general liability insurance program designed for homebuilders and trade Ccntractors in California.
www.monroe-monroe.com

Michigan Physicians Mutual Liability Company
Provider of medical professional liability and workers’ compensation protection in Florida, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Nevada, New Mexico, Ohio, South Dakota, Tennessee, West Virginia, and Wisconsin.
www.mpmlc.com

National Chiropractic Mutual Insurance Company
Washington D.C.-directed company that holds risk management seminars. Clients can benefit from special financial products of NFC.
www.ncmic.com

National Insurance Consultants, Inc.
An active member of APTA specializing in the transportation industry nationwide.
nicinici.com

Norcal Mutual Insurance company
Writers of medical professional liability protection. Medical Risk Management Insurance Services, Inc. offers ancillary coverages.
www.norcalmutual.com

OHIC Insurance Company
Multiline underwriter of professional liability insurance to protect hospitals, medical facilities, physicians, lawyers, and healthcare practitioners against malpractice and other exposures.
www.ohic.com

Ophthalmic Mutual Insurance Co.
Professional liability insurance carrier exclusively for the ophthalmology profession, based in San Fransisco, California.
www.omic.com

Ophthalmic Mutual Insurance Company (OMIC)
Professional liability insurance carrier exclusively for the ophthalmology profession.
www.omic.com

Princeton Insurance Company
Offers a range of coverages including professional liability, general liability, property, and workers compensation insuracne for organizations and individuals in many states. Headquartered in Princeton, New Jersey.
www.pinsco.com

PLAN - Professional Liability Agents Network
Group of insurance agencies specializing in risk management and loss prevention programs for architects, engineers, environmental consultants, accountants and lawyers in the US, Canada and Puerto Rico.
www.plan.org

Physicians Mutual Insurance
Headquartered in Omaha, Nebraska. Established to serve the health insurance needs of physicians, surgeons, and dentists.
www.pmic.com

Pennsylvania Medical Society Liability Insurance Company
Provider of professional liability insurance for individual physicians in Pennsylvania, New Jersey, Ohio, and Delaware.
www.pmslic.com

ProAssurance Corporation
Medical Assurance, Inc. is nationally recognized for providing malpractice protection to physicians, hospitals, dentists and managed care and health care organizations through programs which coordinate traditional insurance with effective clinic...
www.proassurance.com

Progressive® Commercial Auto Insurance
Pickups to 18 Wheelers - We Cover Most Commercial Vehicles.
www.ProgressiveCommercial.com (Paid)

RA&MCO Insurance Services
Insurs architects, engineers, environmental consultants and contractors. Seminars are accredited for Continuing Education by the AIA/CES.
www.ramco-ins.com

Reliance Insurance Company
Provides standard and specialty commercial coverage for middle–market customers, typically corporations with 25 to 1,000 employees and revenues from $5 million to $300 million. Headquartered in Philadelphia, PA.
www.relianceinsurance.com

National Insurance Specialists
Provider of insurance to the equipment and rental industry in the United States.
www.rental-insurance.com

Steel Tank Insurance Company
Supplies insurance for companies that manufacture, resell, install or service petroleum equipment.
www.riskmgr.com

RLI Corp
Personal umbrella liability insurance provides you with an extra layer of personal liability insurance in addition to your current home and auto insurance. With personal liability insurance from RLI, you obtain auto or home coverage from any ins...
my.rlicorp.com

Rockport Insurance Associates
Professional liability coverage for mental health practitioners.
www.rockportinsurance.com

State Farm® Liability Insurance
We Offer Coverage for Your Special Business Liability Needs. Get Info!
www.StateFarm.com (Paid)

Tech Insurance.com
Specializes in business insurance that addresses the needs of growth-oriented computer consulting companies, contract programmers, software developers, Web designers and Internet Service Providers.
www.techinsurance.com

Firemans Fund
Provides a range of business and personal insurance including marine, farm/ranch, fire and casualty, professional liability, high hazard, and non-standard personal lines. Owned by Allianz A.G., of Munich, Germany.
www.the-fund.com

Doctors Company
Physician-owned professional liability insurer offering online information on medical malpractice insurance, risk management, and medical liability legislation.
www.thedoctors.com

Texas Medical Liability Trust
Provider of professional medical liability coverage and related products in Texas.
www.tmlt.org

United Educators Risk Rentention Group
Offers general liability, excess and umbrella liability, educators legal liability, and limited professional liability insurance to member schools and educators. Located in Chevy Chase, MD.
www.ue.org

XS Brokers Insurance Company
XS Brokers is a leading MGA. We provide Retail agents with a full range of quality insurance products, including property, casualty, professional liability, directors & officers liability, employment practices liability, marine and personal line...
www.xsbrokers.com

Zurich North America
Our Commercial Insurance and Small Business Liability Insurance Solutions are designed with small business owners in mind.
www.zurichna.com

Company Profiles – Click here to view

American Safety Insurance Holding, Ltd
FPIC Insurance Group Inc

Miix Group, Inc. (The)
Professionals Group

SCPIE Holdings Inc.

Guide to Business Liability Insurance

How to protect your business from devastating liability costs
By Mary Sit

You've worked long, hard hours to build your business into a profitable enterprise. Now you need to protect it with general liability insurance that will cover such instances as the following: a customer trips on the carpet in your shop; a client injures herself using your product; an employee breaks a 17th century antique while on the job; or a coffeemaker left on overnight ignites a fire and damages your landlord's building and other tenants' property.

Here are three things you need to know:

General liability insurance usually covers medical expenses, legal fees and damages when you're legally responsible.
Umbrella liability insurance protects your business from liability claims above and beyond your general and auto liability limits.
A business owner's policy, or BOP, is an affordable package that combines general liability and property coverage – perfect for small to medium-sized, low-risk businesses.

Action Steps

The best contacts and resources to help you get it done

Surf the Web for the best deals Insurance search engines will comb hundreds of sites and offer instant quotes from multiple agents. General liability and property packages are competitively priced, but premiums do differ for small business policies.

I recommend: Try Insurance Finder, LowQuotes.com or InsuranceNoodle, which work with prescreened insurance professionals nationwide and offer free quotes.

Decide what you need Depending on what industry you are in, your needs for various types of liability insurance will vary.

I recommend: Insure.com has a handy tool that lets you scroll a list of occupations – from accountant to pet groomer to Web designer – then will instantly recommend what liability insurance you may need based on the risks your business faces. For example, for freelance writers who work at home it recommends an add-on to homeowner's insurance to cover lawsuits. The Web site also defines types of business coverage – from accounts receivables to parking lot liability.

Check out the giants Discover what major insurance companies are offering. This gives you a base by which to compare all the others – and you may decide to stick to the tried-and-true companies.

I recommend: Go to State Farm to find an agent who can sell you nine types of business liability insurance, including, cyberspace liability and employment practices liability which covers sexual harassment and wrongful termination. Zurich for North America is a Swiss-based company that's been providing insurance for small businesses for 100 years. Nationwide will analyze your needs and customize a plan.

Go with someone who knows your industry inside out If you go to an insurance company that specializes in your field, you'll deal with agents who know exactly what the unique issues are in your area and be able to help you with niche problems. If you're in high-tech, buy from a company with high-tech experience.

I recommend: Techinsurance.com is an e-agent specializing in serving tech companies. InsureWithWalker specializes in rates for builders and construction industry trades. Nationwide offers liability insurance for agribusiness and farms.

Tips & Tactics

Helpful advice for making the most of this Guide

Pay attention to the time frame your policy covers. Not all mistakes will be discovered at the time they're made. It may be years before the effects of bad financial advice or a computer error surfaces.
Trade associations such as the Chamber of Commerce often offer group rates.
Scrutinize policy details to find out if and how much legal fees are covered.

Liability Insurance

Guide to Business Liability Insurance

Action Steps

Tips & Tactics

How-To Guide from WORK.COM

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