- Contact a broker for pricing information
- Direct questi
| Vendor | Features | Products, Plans & Promos | Ratings & Reviews | Price |
 Zurich |
|
|  
|  View promos » |
 State Farm |
|
| ...discounts and great rates that no one else can even come close. | View promos » |
 Insureon |
|
| You went the extra mile, and showed me you were genuinely interested.. | View promos » |
 Aflac |
|
| Ethisphere has named Aflac one of the World's Most Ethical Companies | View promos » |
|
|
| "You have worked exceptionally hard and I appreciate it." | View promos » |
Take a close look at each of your business operations and ask yourself what could cause a loss. Determine how much insurance you need to cover your expected sales volume, salaries, taxes, overhead, equipment and supply costs, and the cost you charge your customers for your goods and services.
Try:
Your insurance agent or broker can provide you with a risk analysis questionnaire or survey to get you started. To find an agent or broker, visit the Independent Insurance Agents & Brokers of America's website. The U.S. Small Business Administration outlines various exposures and the types of insurance available.
Property insurance should cover both your building and its contents. Carry enough to replace the property so you can get back into business as soon as possible after a loss. Liability coverage will pay for damage and injuries to your customers, delivery people and others who might be hurt or have their property damaged while at your business. Professional liability coverage protects you if a client gets bad results from your advice and sues for damages.
Try:
Insure.com offers a small business liability tool to help you determine your expenses and insurance needs. In general, you need at least $1 million in liability coverage to protect you against unexpected exposures. The Insurance Services Office (ISO) also provides underwriting information about the property/casualty insurance industry.
The best way to reduce insurance premiums is to control your losses. Make workplace safety a priority and install security systems and sprinklers in commercial buildings. If your company has a good loss history you also can reduce your premiums through higher deductibles or arrange a low-interest payment plan with your insurer.
Try:
The Hartford, through the U.S. Small Business Administration (SBA), created a downloadable guide, The Smart Approach to Protecting Your Business.
Compare prices online before you buy.Join a business association and take advantage of group rates.
Try:
Start your online search with InsuranceNoodle.com, a specialist in small-business policies. Also try NetQuote.com, LowQuotes.com, USInsuranceOnline.com or AllQuotesInsurance.com. Members of the National Federation of Independent Business get special rates on business owner policies from The Hartford insurance company.
Briefly describe your project and get matched with the top vendors!
Find additional information and special deals at these vendors. Click on a link below to start saving!
There are several types of insurance that you might want to purchase for your business. Small business insurance, for instance, should protect you from any injuries that take place on your property. It might also protect you from financial loss when your property is damaged by extreme weather and other events.
There are, however, other types of business insurance that you might want to learn about. For instance, professional liability insurance can protect you from lawsuits caused by mistakes made within your office. These insurance policies are typically purchased by professionals such as accountants, lawyers, and doctors. When you have a professional liability policy, your insurance company should pay for your legal representation.
Since there are several types of insurance options to consider, you should explore your options to help ensure that you choose a policy that can protect your business. Business.com makes it easier for you to explore your options. The links that have been listed at left will take you to websites that offer more information about the types of insurance policies that businesses often purchase. After you have visited several of these sites, you should have a better idea of which option will suit your business's needs.
