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Small Business Insurance

Providers of small business insurance plans and risk insurance for small business. Browse listings to find vendors who offer small business insurance rates and quotes.
Progressive® Business Auto Insurance
Commercial Auto insurance for Small Business.
www.ProgressiveCommercial.com
Business Insurance - Free Quotes
Let NetQuote save you time and money with your insurance shopping. Get free business insurance quotes from agents and brokers across all 50 states.
Group Health
www.netquote.com
Business Insurance Quotes
Provides free business insurance quotes from local providers. Includes agent assistance in choosing and applying for coverage.
www.mostchoice.com
Need Business Insurance?
Don't overpay for your insurance! Get a free quote from NetQuote.
www.NetQuote.com
Small Business Insurance
Are you fully covered? Compare Business Insurance in just Minutes!
LocalInsurance.com/Business
Progressive Business Auto
Serving Small Business for Over 25 Years, We Can Insure You for Less!
www.ProgressiveCommercial.com
State Farm® Small Business Insurance
Let State Farm® Help Your Small Business Grow. Visit Us Online!
SB Insurance
www.StateFarm.com
Small Business Insurance
Free Insurance Quotes. Top Insurance Agents Compete For Your Business. Huge Savings On Types of Business Insurance!
www.usinsuranceonline.com
Business Insurance
Provides quotes for Business Insurance. Works with multiple companies.
Commercial Auto | Group Health | Error & Omissions | Workers Comp
lovetherates.com
Small Business Credit Insurance
Our business insurance helps minimize the risk of facing financial losses due to customer non-payments. Contact us today.
Products | Services | FAQ | Contact Us
www.eulerhermes.com
Small Business Insurance
Free Quotes. Agents near you. Quick & Easy. Wide Choice of Carriers.
www.MostChoice.com
Small Business Insurance
Compare Instant Quotes & Plans. Top Benefits for Less Money!
2Insure4Less.com/Small-Business
Small Business Insurance
Small Business Insurance Plans For Every Budget. Get A Free Quote Now!
www.HealthMarkets.com
Listings
Business Insurance
Provides quotes for Business Insurance. Works with multiple companies.
Commercial Auto | Group Health | Error & Omissions | Workers Comp
lovetherates.com (Paid)
Business Insurance - Free Quotes
Let NetQuote save you time and money with your insurance shopping. Get free business insurance quotes from agents and brokers across all 50 states.
Group Health
www.netquote.com (Paid)
Business Insurance Quotes
Provides free business insurance quotes from local providers. Includes agent assistance in choosing and applying for coverage.
www.mostchoice.com (Paid)
ePolicy.com Insurance Services
Business-to-business Internet company with a way for professionals and small businesses to purchase insurance.
www.epolicysolutions.com
Insurance Policies Online
Provider of small-business insurance planning and quotes.
www.insurancepoliciesonline.com
Liberty Mutual Insurance Company: Business Insurance
Risk-management programs and risk strategies resource library, as well as forums and conferences.
www.libertymutual.com
Liberty Mutual: Business Insurance
Comprehensive property and liability coverage to property owners of all sizes.
www.libertymutual.com
Liberty Mutual: Group Disability
Solution provider of short-term disability, long-term disability and workers compensation.
www.libertymutual.com
Mutual of Omaha Insurance: Dental Insurance
Provider of dental insurance for businesses with 10 or more employees.
www.mutualofomaha.com
Mutual of Omaha Insurance: Disability Insurance
Provider of group disability insurance for businesses with 10 or more employees.
www.mutualofomaha.com
Mutual of Omaha Insurance: Health Insurance
Provider of small business employer group insurance that caters to businesses with two to 50 employees.
www.mutualofomaha.com
New York Life Insurance: Business Owners Resource Center
Information on business growth, business continuation planning, taxes and life insurance.
www.newyorklife.com
Northland Insurance Companies
Provider of property and casualty insurance products and services for small businesses, commercial trucks, motorcycles, watercraft, governmental units and financial institutions.
www.northlandins.com
Pacific Life: Life Insurance
Products designed to help meet the life insurance needs and asset accumulation, estate planning and preservation goals of individuals and small businesses.
www.pacificlife.com
Progressive® Business Auto Insurance
Commercial Auto insurance for Small Business.
www.ProgressiveCommercial.com (Paid)
Royal & SunAlliance USA: Business Insurance
Provider of traditional business insurance coverage and specialty insurance coverage.
www.royal-usa.com
SimplyHealth.com
Portal offering quotes on health insurance for individuals and small businesses.
www.simplyhealth.com
Small Business Credit Insurance
Our business insurance helps minimize the risk of facing financial losses due to customer non-payments. Contact us today.
Products | Services | FAQ | Contact Us
www.eulerhermes.com (Paid)
Small Business Insurance
Free Insurance Quotes. Top Insurance Agents Compete For Your Business. Huge Savings On Types of Business Insurance!
www.usinsuranceonline.com (Paid)
Small Business Insurance
Aon is a specialist in commercial insurance for small to medium sized businesses.
www.commercialservices.aon.co.uk(Paid)
State Farm Insurance: Business Products
Provider of traditional business insurance products and industry-specific business products.
www.statefarm.com
State Farm® Small Business Insurance
Let State Farm® Help Your Small Business Grow. Visit Us Online!
SB Insurance
www.StateFarm.com (Paid)
The Hartford: Home Business Insurance
Provider of customized coverage programs designed to meet the needs of home-based businesses.
www.thehartford.com
The Hartford: Small Business Insurance
Provider of commercial insurance programs designed to meet the needs of small businesses.
www.thehartford.com
Travelers Insurance Company: Small Business Center
Provider of information and services tailored to the needs of the small-business owner.
www.travelers.com
  • Argonaut Group Inc.
Need Business Insurance?
Don't overpay for your insurance! Get a free quote from NetQuote.
www.NetQuote.com
Small Business Insurance
Are you fully covered? Compare Business Insurance in just Minutes!
LocalInsurance.com/Business
Progressive Business Auto
Serving Small Business for Over 25 Years, We Can Insure You for Less!
www.ProgressiveCommercial.com

Guide to Reducing Business Risk

Manage your business risks through planning and preparation


Small businesses face a myriad of risks: Property losses, financial losses, lawsuits, workplace accidents, technology issues and product liability claims are just a few. But you can mitigate risks with some smart risk-management strategies. There are four main ways of reducing risk:
  1. Risk avoidance: Avoiding the activity that carries risk. But nothing ventured, nothing gained.
  2. Risk reduction: Putting measures in place to reduce the severity of the loss.
  3. Risk retention: Accepting the risk; usually suitable for low-level risks.
  4. Risk transfer: Getting another party to accept the risk, such as an insurance company.

Here are ways to plan for business risks and resources to help you mitigate them:



Action Steps

The best contacts and resources to help you get it done

Develop a comprehensive plan While it can be tempting to plan one-at-a-time for risk reduction, you'll have a much more effective plan if you assess and prepare for all of your risks.

I recommend:  Check out the Institute of Risk Management for samples of risk-management plans and instructions on developing your own. Consider using risk-management software to determine risk priorities and probabilities. Examples of risk -management software include Methodware's Enterprise Risk Assessor, RiskTrak and Risk Wizard. Or work with a professional risk manager; find some at the Global Association of Risk Professionals (GARP) or the Professional Risk Managers Association.

Plan for natural disasters It doesn't take a catastrophe on the scale of Hurricane Katrina to put your business at risk. You can guard against 'acts of God' by putting a business continuity plan (BCP) in place. Consider a BCP a 'Plan B' — it spells out contingencies that will allow a company to continue operations if its facility is closed or employees cannot report to work.

I recommend:  The Disaster Recovery Planning Group offers templates, toolkits and a "BCP generator" to help you plan for natural disasters. The Disaster Recovery Guide lists a directory of business-continuity and disaster-recovery consultants. Consider sending backup tapes off-site weekly, or having a redundant server in a secure location if your business would fail if you lost data. Check out data storage specialists like Symagio, NetMass and SunGard Availability Services.

Insure against theft and property loss Property and equipment assets should be adequately insured. 'Blanket' coverage doesn't necessarily include all items, so check with your insurance provider.

I recommend:  The Hartford's Web site provides some excellent resources, including a checklist for reducing property risks. Free Advice features property insurance information, legal resources and answers to FAQs.

Protect your employees Proactively identify workplace safety issues and correct them.

I recommend:  WorkersCompensation.com provides information and resources to employers, employees and insurers. The U.S. Department of Labor's Occupational Safety and Health Administration (OSHA) offers free on-site consultations for small businesses about safety hazards in the workplace. You can also take a variety of free online training classes from the Public Entity Risk Institute (PERI). Find an ergonomist to evaluate your workplace at the Board of Certification in Professional Ergonomics (BCPE) or Ergoweb.

Data protection and security Technology and the Internet have introduced a host of new risks to business. Data loss or theft, computer viruses, hackers and privacy problems are just a few of the issues you need to address. You can beef up your technology security through software or by working with IT security consultants.

I recommend:  Find professional data security specialists at the International Association of Professional Security Consultants (IAPSC). Interpol has an extensive information technology security checklist.

Liability risks One of the most common business risks is general liability exposure, such as a customer getting injured on your business premises or an injury that results from a defective product. Some insurance brokers suggest 'commercial umbrella liability' insurance for protection beyond your primary commercial general liability (CGL) policy.

I recommend:  AllBusiness.com's checklist outlines key issues to review for a liability insurance policy. BusinessInsuranceNow provides a full overview of (CGL) general liability insurance and what it covers.

Tips & Tactics

Helpful advice for making the most of this Guide
  • Make sure you plan for data security risks so that you don't compromise private customer information or your own financial data.
  • Ensuring that your company complies with state and federal safety laws — by putting up required safety posters, for instance — will help protect you against workers' compensation problems.
  • Hire subcontractors to reduce workers'-compensation risks and make sure they supply Certificates of Insurance.


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How-To Guide from WORK.COM

Guide author
By Lou Bortone
Manage your business risks through planning and preparation.
Small businesses face a myriad of risks: Property losses, financial losses, lawsuits, workplace accidents, technology issues and product liability claims are just a few. But you can mitigate risks with some smart risk-management strategies. There ... Read more

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