General Business Liability Insurance – How it Works and What Coverage is

General Business Liability Insurance – How it Works and What Coverage is Right for You

If you’ve heard it once, you’ve heard it a thousand times: if you’re starting a business you’re going to need general liability insurance. But what does that mean? What protection does it afford? How do you determine your coverage needs? How does it work?

What is General Liability Insurance?

Liability insurance (also known as Commercial General Business Liability) protects a company’s assets and pays for obligations – medical costs, for example –incurred if someone gets hurt on your property or when there are property damages or injuries caused by you or your employees. Liability insurance also covers the cost of your legal defense and any settlement or award should you be successfully sued. Typically these include compensatory damages, nonmonetary losses suffered by the injured party, and punitive damages.

General liability insurance can also protect you against any liability as a tenant if you cause damage to a property that you rent, such as by fire or other covered loss.

Finally, it can also cover claims of false or misleading advertising, including libel, slander, and copyright infringement.

Does your Business Need Liability Insurance?

We live in a litigious society and even if you think you’re unlikely to face a claim, getting insurance is a wise investment that doesn’t cost much – annual premiums range from $750 to $2,000 depending on your line of business and coverage needs. That’s certainly a lot less than the thousands, if not millions, of dollars you may need to spend fighting your case in court.

General liability insurance can be purchased on its own, but it can also be included as part of a Business Owner’s Policy (BOP) which bundles liability and property insurance into one policy. If you have a BOP, check it to see what your liability coverage limit is. You may find that it is quite low, in which case you may need additional coverage through a separate policy.

How to Determine Your Coverage Needs

The coverage you need depends on the type of business you are in and the perceived risk associated with it. For example, a building contractor will need more coverage than a web designer or consultant. Your business location is also another factor that comes into play. For example, some states tend to award more in damages to plaintiffs claiming personal injury than others. Talk to a licensed insurance broker for advice on this before you rush out and buy a policy.

As mentioned above, if you fall into the lower risk category, you may want to consider a Business Owner’s Policy (BOP) which combines general liability and property insurance at a cost-effective rate.

Confused about where to start? Take a look at SBA’s Five Tips for Buying Business Insurance which includes tips on assessing your risk, shopping around, BOPs, and maintenance of your policy.

How General Liability Insurance Works

As with many insurance plans, your general liability policy will outline the maximum amount the insurance company will pay against a liability claim. So, if your small business gets sued for $250,000 for medical costs associated with an injury caused by a worksite hazard, plus an additional $100,000 in legal fees, but your coverage maxes out at $300,000, then you are responsible for paying the difference of $50,000.

If you are on the higher end of the risk scale and already have general liability insurance, you can also opt for excess insurance or umbrella insurance that increases your coverage limits. This will cover you in situations in which you’re worried that your existing coverage won’t cover all your costs should someone file and win a claim against you.

Be sure to do your industry research before you invest in any policy. Sometimes a client contract will require that your business has the appropriate coverage or umbrella insurance to perform work on their behalf. Likewise, some construction contractors may add you to their general liability policy as an additional name to be insured for the duration of the project.

If an incident occurs that may lead to a claim, you should notify your insurance company or agent immediately. Be prepared to explain what has happened in detail including the time, date, the names of any witnesses, and any other pertinent information.

What other Insurance do I Need?

Besides general liability insurance, most states also require that businesses with employees pay workers’ compensation insurance and state disability insurance. For specific requirements, read more about Insurance Requirements for Employers.

Depending on the nature of your business, you may also need auto insurance, home business insurance, alcohol liability insurance (if you sell or serve alcohol), product liability insurance, environmental and pollution insurance, and more. Read more about small business insurance requirements.

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Public Liability Insurance

Public liability insurance provides protection for small

businesses and the self-employed. Compare quotes

today from leading insurers and buy online in minutes

What is public liability insurance?

If you are running a business, public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It will cover legal costs and any compensation claims if your business is found to be at fault.

What does public liability insurance cover?

For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood).

The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

Read our public liability FAQs page for information on what’s not covered.

Business liability insurance

Business liability insurance

Do I need public liability insurance?

Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it.

Compare public liability insurance quotes from UK insurers such as:

Business liability insurance

Business Insurance Guides

What does public liability cover

Our guide to what public liability insurance covers

What is public liability insurance

Public liability insurance is one of the main types of business insurance

How much public liability cover do I need

How much public liability cover you need will depend on the work you do

Who needs public liability insurance

Finding the right cover for a self employed business

Business Insurance Options

Public liability FAQs

We ve answered some of your frequently asked questions

Public liability glossary

Commonly used terms acronyms explained

How much is public liability insurance

How much your public liability insurance costs

Business insurance

Get cheap business insurance quotes today

Professional indemnity insurance

Find the right professional indemnity cover

Business building insurance

Compare business building insurance cover

Public liability insurance will not cover:

  • Accidents that happen to you.
  • Damage to your own property or accidents that affect your employees or their possessions.
  • Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy, which is a legal requirement.

What else do I need to know about public liability insurance?

First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.

As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.

How can I compare public liability insurance deals?

As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.

MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.

Do I need public liability insurance?

We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.





Business Insurance, biBERK, a Berkshire Hathaway Company, business insurance quotes.#Business #insurance #quotes

Business insurance quotes

Talk to our Licensed Experts

(Mon – Fri 8am – 8pm EST)

Up to 20% Savings. Policy in Minutes.

Business Insurance by Warren Buffett’s Berkshire Hathaway Insurance Group.

General Liability Insurance

Workers’ Compensation Insurance

Property Liability Insurance (BOP)

Commercial Auto Insurance

Why Choose biBERK

Our Products

General Liability Insurance

  • Protection from covered claims and suits
  • Provides investigation and defense against claims
  • Pays for physical injuries, property damage, and other costs

Learn more.

Workers’ Compensation Insurance

  • Mandatory for almost all businesses
  • Covers employees injured at work
  • Takes care of medical bills & lost wages

Learn more.

General Liability Property (BOP)

  • Protects your business property and lost income
  • Offers General Liability (GL) protection if your business is sued
  • Contains other coverages customized for your business
  • Business Owner’s Policy (BOP)

Learn more.

Commercial Auto Insurance

  • Covers a variety of company-owned vehicles
  • Provides coverage for:
    • Medical costs of the driver, passengers & people in the other car
    • Vehicle repair costs
    • Lawyer fees, settlements & judgments if you’re sued

Learn more.

“The site was easy to navigate, it took very little time to answer the questions, and I had my quote within a few minutes instead of days.”

  • Products
  • General Liability
  • Workers’ Compensation
  • Property Liability (BOP)
  • Commercial Auto
  • Information
  • About Us
  • Resource Center
  • Loss Control
  • Legal
  • Privacy Policy
  • Terms Conditions
  • Other Disclosures

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Compare Business Insurance Quotes Online at GoCompare, cheap business insurance.#Cheap #business #insurance

Business insurance

Compare business insurance quotes and find commercial cover with Simply Business [1]

  • Compare quotes from the likes of Axa, Zurich, Hiscox, Groupama, Brit and more
  • Cover for public and employers’ liability, buildings, contents, tools and equipment
  • A UK-based contact centre to answer all your business insurance questions

Cheap business insurance

What should I look for with business liability insurance?

Is your business protected with employers’ liability cover?

What does public liability insurance cover?

How much does liability insurance cost?

How long does liability insurance offer protection for?

Does your car insurance cover your business usage?

We’ve teamed up with Simply Business [1] to find business insurance policies that are as diverse and specialist as your company, big or small.

Get informed


  • Looking for public liability insurance for your business?
  • Read more guides and tips in the Business insurance briefcase

Pin down a policy today, and give yourself more time to get down to business.

What’s business insurance?

Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.

Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:

Public liability insurance

Hell hath no fury like a scorned member of the public, especially when it comes to claims.

Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.

Professional indemnity insurance

If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.

Employers’ liability

It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.

But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business – fancy, eh?

You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.

Company insurance comparison


Business notes


  • Employers’ liability insurance is compulsory for businesses that have one or more employees
  • Glass and shutters insurance can cover replacement following accidental or malicious damage

To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.

Start your business insurance quote

Have to hand info about claims made by your firm in the last five years, or any pending.

Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.

You’ll then either be presented with your quotes online, or – if your circumstances don’t allow for an instant quote – your details will be passed on to an insurance specialist to look at.

Need to know more about business insurance?

Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous – give them a call if you’re unsure.

But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries – we’re straightforward, so you won’t find buzzwords or marketing jargon here.

The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.

Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

  • Cheap business insurance

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  • Business Insurance, biBERK, a Berkshire Hathaway Company, business insurance.#Business #insurance

    Business insurance

    Talk to our Licensed Experts

    (Mon – Fri 8am – 8pm EST)

    Up to 20% Savings. Policy in Minutes.

    Business Insurance by Warren Buffett’s Berkshire Hathaway Insurance Group.

    General Liability Insurance

    Workers’ Compensation Insurance

    Property Liability Insurance (BOP)

    Commercial Auto Insurance

    Why Choose biBERK

    Our Products

    General Liability Insurance

    • Protection from covered claims and suits
    • Provides investigation and defense against claims
    • Pays for physical injuries, property damage, and other costs

    Learn more.

    Workers’ Compensation Insurance

    • Mandatory for almost all businesses
    • Covers employees injured at work
    • Takes care of medical bills & lost wages

    Learn more.

    General Liability Property (BOP)

    • Protects your business property and lost income
    • Offers General Liability (GL) protection if your business is sued
    • Contains other coverages customized for your business
    • Business Owner’s Policy (BOP)

    Learn more.

    Commercial Auto Insurance

    • Covers a variety of company-owned vehicles
    • Provides coverage for:
      • Medical costs of the driver, passengers & people in the other car
      • Vehicle repair costs
      • Lawyer fees, settlements & judgments if you’re sued

    Learn more.

    “The site was easy to navigate, it took very little time to answer the questions, and I had my quote within a few minutes instead of days.”

    • Products
    • General Liability
    • Workers’ Compensation
    • Property Liability (BOP)
    • Commercial Auto
    • Information
    • About Us
    • Resource Center
    • Loss Control
    • Legal
    • Privacy Policy
    • Terms Conditions
    • Other Disclosures

    2017 Berkshire Hathaway Direct Insurance Company

    2017 National Liability Fire Insurance Company





    Compare Business Insurance Quotes Online at GoCompare, insurance for business.#Insurance #for #business

    Business insurance

    Compare business insurance quotes and find commercial cover with Simply Business [1]

    • Compare quotes from the likes of Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liability, buildings, contents, tools and equipment
    • A UK-based contact centre to answer all your business insurance questions

    Insurance for business

    What should I look for with business liability insurance?

    Is your business protected with employers’ liability cover?

    What does public liability insurance cover?

    How much does liability insurance cost?

    How long does liability insurance offer protection for?

    Does your car insurance cover your business usage?

    We’ve teamed up with Simply Business [1] to find business insurance policies that are as diverse and specialist as your company, big or small.

    Get informed


    • Looking for public liability insurance for your business?
    • Read more guides and tips in the Business insurance briefcase

    Pin down a policy today, and give yourself more time to get down to business.

    What’s business insurance?

    Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.

    Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:

    Public liability insurance

    Hell hath no fury like a scorned member of the public, especially when it comes to claims.

    Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.

    Professional indemnity insurance

    If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.

    Employers’ liability

    It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.

    But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business – fancy, eh?

    You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.

    Company insurance comparison


    Business notes


    • Employers’ liability insurance is compulsory for businesses that have one or more employees
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.

    Start your business insurance quote

    Have to hand info about claims made by your firm in the last five years, or any pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.

    You’ll then either be presented with your quotes online, or – if your circumstances don’t allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Need to know more about business insurance?

    Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous – give them a call if you’re unsure.

    But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries – we’re straightforward, so you won’t find buzzwords or marketing jargon here.

    The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.

    Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    • Insurance for business

    Make money from honey

  • Insurance for business

    Cool stuff we saw at Digital 2017

  • Insurance for business

    Lessons from Sir Terry Matthews

  • Insurance for business

    Protect your business from cyber attacks

  • Insurance for business

    Cat cafes: get the lowdown

  • Insurance for business

    Cheap vans for young drivers

  • Insurance for business

    How to rejuvenate your career

  • Insurance for business





  • Business Insurance quotes, Public Liability Insurance, NRMA, insurance for business.#Insurance #for #business

    Business Insurance

    Protect yourself and your business against claims for negligent acts, which cause personal injury and/or property damage to others with Public Liability Insurance.

    As a tradesperson you do a lot to protect yourself at work. Don’t forget to protect your business too. Our Business Insurance has the cover to do just that.

    Are you a doctor, lawyer, accountant, architect, real estate agent or other type of professional service provider? Our Business Insurance has the cover to protect your business.

    Insurance for business

    Other products we offer

    Hobby Rural Farm

    Save up to $75 when you buy Hobby Farm Insurance online.

    Whether you’re a grazier, grower, dairy farmer or have a hobby farm, our Farm Insurance has the cover to protect your farm.

    Retailers

    Save up to $75 when you buy online.

    Are you retailing goods or services? Our Business Insurance has the cover to protect your business.

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    Protecting Commercial properties you own now and for the future is easy. Our Business Insurance has the cover to protect your business.

    Hospitality

    Save up to $75 when you buy online.

    You have a passion for making great coffee and creating amazing meals. Our Business Insurance has the cover to protect your business.

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    Motor Trade Insurance is here to help mechanics, panel beaters, detailers and more. Get a quote from NRMA Insurance online

    Domestic Services Repairs

    Save up to $75 when you buy online.

    If you provide services such as the local handyman, domestic cleaner, pet groomer, dressmaker or the like, our Business Insurance has the cover to protect your business.

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    Nowadays more and more people are discovering the joy of working from home. Make sure you have the correct level of cover to protect yourself and your business.

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    Shannon is a builder who transforms interiors. He shares the opportunities and challenges that have come with running his own business.

    Insurance for business

    Vicki is a chef and passionate about food. She talks about what she’s learnt about business since starting her own catering company.

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    Sevi is a florist who always wanted to have her own business. She explains about how long hours, finding great staff and having good insurance have helped her to success.

    Download our free NRMA app

    NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

    *National Roads and Motorists’ Association Limited ABN 77 000 010 506 (the NRMA) is a separate independent company from NRMA Insurance.

    For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

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    Commercial Insurance Coverage by Industry: Farmers Insurance, small business insurance.#Small #business #insurance

    Business Insurance for Your Industry

    Search for commercial coverage you can tailor specifically for the small business you run.

    Browse Business Insurance by Industry

    FarmersВ® understands your business has unique coverage needs

    Commercial insurance from Farmers isn’t a one-size-fits-all solution. Each business owners policy (BOP) begins with essential coverage like liability and property insurance — you can then customize it for your specific requirements. Whether you operate a restaurant or retail store, you choose the coverage you want.

    Contact a Farmers agent in your area today to discuss customized coverage that’s right for you.

    Research insurance for your industry

    Simply select your industry for more information about coverage like this — and more.

    Apartments

    Auto Service and Repair

    Commercial Real Estate

    Education and Non-Profit

    Tuition and Fees

    Home and Building Services

    Tools and Equipment

    Homeowners Associations

    Directors and Officers Liability

    Hospitality

    Manufacturing

    Office

    Religious Organizations

    Restaurants and Food Trucks

    Retail Stores

    Wholesale

    Transportation and Cargo

    This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of CompaniesВ®, or their employees or agents provide tax or legal advice. Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction. Not all products, coverages, discounts are available in every state. Restrictions, exclusions, limits, and conditions apply.

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    Protect Your Assets with Business Liability Insurance, business liability insurance.#Business #liability #insurance

    Protecting Your Assets with Business Liability Insurance

    Business liability insurance

    Business liability insurance

    Owning and operating a small business comes with plenty of responsibility and accountability. Even if you operate with the utmost care and provide the best quality and services, the unforeseen can occur – an accident, an injury, a mistake, a misunderstanding that escalates. Is your business protected with liability insurance? If not, your business and personal assets may be in peril.

    Who Needs Business Liability Insurance?

    It s likely that you do, as we live in a litigious society.

    Annual premiums range from $750 to $2,000 depending on your line of business and coverage needs. That’s certainly a lot less than the thousands, if not millions, of dollars you may need to spend fighting your case in court.

    General liability insurance can be purchased on its own, but it can also be included as part of a Business Owner’s Policy (BOP) which bundles liability and property insurance into one policy. If you have a BOP, check it to see what your liability coverage limit is. You may find that it is quite low, in which case you may need additional coverage through a separate policy.

    Does an LLC Need General Liability Insurance?

    You, as a business owner, can be held responsible ( liable ) for things you do while performing work for your limited liability company. For example, your LLC will most likely not protect you if:

    • You personally injure someone
    • You personally guarantee a business loan or debt
    • You don’t manage your business taxes correctly
    • You have acted in an irresponsible or illegal manner
    • Rather than treating your company as a separate business entity, you mix business and personal accounts or expenses

    The Types of Business Liability Insurance

    There are several types of business liability insurance.

    Learn more about the following:

    General Liability Insurance: This form of business liability insurance is the main coverage to protect your business from: injury claims, property damages, and advertising claims. General liability insurance also known as Commercial General Liability (CGL) may be the only type of business liability insurance you need depending on your business situation.

    As with many insurance plans, your policy will outline the maximum amount the insurance company will pay against a liability claim. So, if your small business gets sued for $250,000 for medical costs associated with an injury caused by a worksite hazard, plus an additional $100,000 in legal fees, but your coverage maxes out at $300,000, then you are responsible for paying the difference of $50,000. Make sure you calculate your exposure and select the coverage that will protect you.

    Professional Liability Insurance: Business owners providing services will need to consider having professional liability insurance known as errors and omissions . This coverage protects your business against malpractice, errors, negligence and omissions. Depending on your profession, or an individual contract, it may be a legal requirement to carry such a policy.

    Doctors require coverage to practice in certain states. Technology consultants often need coverage in independent contractor work arrangements.

    Product Liability Insurance: Small businesses selling or manufacturing products should be protected in the event of a person becoming injured as a result of using the product. The amount of coverage and the level of risk depends on your business type. A retailer of scrapbook supplies will have far less risks than a wood stove builder.





    Commercial Insurance Coverage by Industry: Farmers Insurance, business liability insurance.#Business #liability #insurance

    Business Insurance for Your Industry

    Search for commercial coverage you can tailor specifically for the small business you run.

    Browse Business Insurance by Industry

    FarmersВ® understands your business has unique coverage needs

    Commercial insurance from Farmers isn’t a one-size-fits-all solution. Each business owners policy (BOP) begins with essential coverage like liability and property insurance — you can then customize it for your specific requirements. Whether you operate a restaurant or retail store, you choose the coverage you want.

    Contact a Farmers agent in your area today to discuss customized coverage that’s right for you.

    Research insurance for your industry

    Simply select your industry for more information about coverage like this — and more.

    Apartments

    Auto Service and Repair

    Commercial Real Estate

    Education and Non-Profit

    Tuition and Fees

    Home and Building Services

    Tools and Equipment

    Homeowners Associations

    Directors and Officers Liability

    Hospitality

    Manufacturing

    Office

    Religious Organizations

    Restaurants and Food Trucks

    Retail Stores

    Wholesale

    Transportation and Cargo

    This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of CompaniesВ®, or their employees or agents provide tax or legal advice. Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction. Not all products, coverages, discounts are available in every state. Restrictions, exclusions, limits, and conditions apply.

    Share this page

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    Business Liability Insurance, Learn State Minimums, Trusted Choice, business liability insurance.#Business #liability

    Business Liability Insurance

    Business liability insurance

    Business owners have enough to worry about besides uncontrollable threats that prevent success. Business liability insurance is one way to help prepare for and protect your business from the biggest risks you face.

    Top Business Risks in 2016

    A recent study done by Allianz concluded that the following three risks are considered by business owners to be among the most significant business risks for 2016:

    Business liability insurance

    Protect Against the Top 3 Risks with Liability Insurance for Your Business

    Liability claims are among the most expensive business insurance claims. Without appropriate liability coverage, one lawsuit or unexpected event can force you to close your doors. Business liability insurance can help you protect your business from the 3 top risks named in the survey.

    In order to protect your business from cyber incidents, PR disasters, and the impact of new technologies, you need:

    • General business liability insurance also known as Commercial general liability insurance (CGL) is the most basic form of business liability insurance.

    General liability insurance definition: A contract that protects a business against claims due to injuries, accidents, and negligence. It can protect your business from costs related to bodily injury, property damage, medical expenses, legal costs, judgments, and personal injury claims such as libel and slander. To protect your business from more specific types of emerging threats, you may need to purchase additional liability policies.

    • Cyber liability insurance is important for any business that uses electronic information. If you are sued because of a data breach or other cybercrime, your business could be responsible for paying legal fees, court-ordered judgments or settlements, and any other court-mandated costs. Your general liability policy may not appropriately cover these costs.

    Cyber liability claims are also extremely costly in terms of fines, public relations costs, and other expenses you must pay on behalf of your affected customers.

    While cyber liability policies continue to evolve because of the ever-changing nature of the threats, most cyber liability insurance policies protect your business assets by covering your legal defense costs, as well as any settlements and judgments that you are ordered to pay. Cyber liability insurance also helps businesses repair their reputations and damage to their brands in these situations by providing coverage for PR and other related expenses.

    • Employment practices liability insurance (EPLI) is another form of liability insurance for your business that is becoming more important as technology changes. EPLI provides protection from claims and lawsuits brought against a business, its officers or directors, or its employees and managers for discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

    In addition, EPLI covers claims related to employee benefits mismanagement. In today’s interconnected society, it’s not hard to imagine a scenario in which new technology makes it possible for an employee’s benefits enrollment or personal health information to be made public inadvertently. EPLI insurance would protect you in such a circumstance.

    Other Kinds of Business Liability Insurance to Consider

    In addition to the risks named in the Allianz study, most businesses face a variety of other threats that could lead to a liability claim. Depending on your type of business, you may need to consider a number of additional business liability policies to protect your assets.

    • Errors and omissions (E O) insurance: Also referred to as professional liability insurance, this policy will protect you from loss or damage arising from poor or misleading advice, or an act of negligence that leads to a client’s financial loss.
    • Liquor liability insurance: Coverage that protects any business that sells or serves alcoholic beverages, including restaurants, nightclubs, and bars, that can be held liable for damages or injuries caused by intoxicated patrons.
    • Product liability insurance: If your product causes any form of injury or damage, product liability insurance will cover compensation and possible legal fees if you are sued.
    • Environmental impairment liability (EIL) insurance: A specialty insurance policy created for companies and contractors who engage in jobs or production that have toxic by-products. EIL insurance will cover many of the costs related to spills, leakage, or contamination, including fines and cleanup costs.
    • Pollution liability insurance: A business insurance policy that covers the costs associated with pollution cleanup, as well as liability claims for pollution-related injuries, illnesses, or deaths.
    • Event liability insurance: Standard personal or commercial liability policies will not cover the varied exposures related to special events. Event liability policies can be tailored to your specific event, from small, one-time events to large, elaborate affairs.

    How to Know if Your Insurance Policy is Right for You

    Business liability insurance—in all of its forms—is essential to the long-term success of your business. Every business liability policy must be tailored to your unique business, or you face having limited or no coverage when you really need it.

    Consulting with an independent agent who represents multiple insurance companies is the best way to ensure that you can find the best basic and specialized commercial liability insurance to address all of the insurable risks inherent in your business. Working with your local independent agent, you will determine the type and amount of coverage you need based on:

    • Business size, type and value
    • Type of work you do
    • Type of risks
    • Level of liability

    Your agent can seek out the best coverage—from multiple insurance companies—to meet your needs and budget.

    How to Find the Right Commercial Liability Insurance Agent

    Your insurance agent is one of your most trusted business advisors—no different from your accountant, lawyer, or banker. Don’t trust your business to just anyone. Choose an independent insurance agent who will be as invested in protecting your business as you are. Whether you need small business liability or corporate liability insurance your agent can help you evaluate specific business risks and the various liability risks your company faces.

    To get help choosing the right business liability coverage, contact an independent agent in the Trusted Choice В® network. These agents represent multiple insurance companies, providing you with a broad range of options to meet your needs. Find an agent in your community today and start addressing your top business risks.





    Compare Public Liability Insurance – MoneySuperMarket, business liability insurance.#Business #liability #insurance

    Public Liability Insurance

    Public liability insurance provides protection for small

    businesses and the self-employed. Compare quotes

    today from leading insurers and buy online in minutes

    What is public liability insurance?

    If you are running a business, public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It will cover legal costs and any compensation claims if your business is found to be at fault.

    What does public liability insurance cover?

    For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

    Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

    The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood).

    The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

    Read our public liability FAQs page for information on what’s not covered.

    Business liability insurance

    Business liability insurance

    Do I need public liability insurance?

    Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it.

    Compare public liability insurance quotes from UK insurers such as:

    Business liability insurance

    Business Insurance Guides

    What does public liability cover

    Our guide to what public liability insurance covers

    What is public liability insurance

    Public liability insurance is one of the main types of business insurance

    How much public liability cover do I need

    How much public liability cover you need will depend on the work you do

    Who needs public liability insurance

    Finding the right cover for a self employed business

    Business Insurance Options

    Public liability FAQs

    We ve answered some of your frequently asked questions

    Public liability glossary

    Commonly used terms acronyms explained

    How much is public liability insurance

    How much your public liability insurance costs

    Business insurance

    Get cheap business insurance quotes today

    Professional indemnity insurance

    Find the right professional indemnity cover

    Business building insurance

    Compare business building insurance cover

    Public liability insurance will not cover:

    • Accidents that happen to you.
    • Damage to your own property or accidents that affect your employees or their possessions.
    • Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy, which is a legal requirement.

    What else do I need to know about public liability insurance?

    First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.

    As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.

    How can I compare public liability insurance deals?

    As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.

    MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.

    Do I need public liability insurance?

    We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.





    Business Insurance, biBERK, a Berkshire Hathaway Company, business insurance quotes.#Business #insurance #quotes

    Business insurance quotes

    Talk to our Licensed Experts

    (Mon – Fri 8am – 8pm EST)

    Up to 20% Savings. Policy in Minutes.

    Business Insurance by Warren Buffett’s Berkshire Hathaway Insurance Group.

    General Liability Insurance

    Workers’ Compensation Insurance

    Property Liability Insurance (BOP)

    Commercial Auto Insurance

    Why Choose biBERK

    Our Products

    General Liability Insurance

    • Protection from covered claims and suits
    • Provides investigation and defense against claims
    • Pays for physical injuries, property damage, and other costs

    Learn more.

    Workers’ Compensation Insurance

    • Mandatory for almost all businesses
    • Covers employees injured at work
    • Takes care of medical bills & lost wages

    Learn more.

    General Liability Property (BOP)

    • Protects your business property and lost income
    • Offers General Liability (GL) protection if your business is sued
    • Contains other coverages customized for your business
    • Business Owner’s Policy (BOP)

    Learn more.

    Commercial Auto Insurance

    • Covers a variety of company-owned vehicles
    • Provides coverage for:
      • Medical costs of the driver, passengers & people in the other car
      • Vehicle repair costs
      • Lawyer fees, settlements & judgments if you’re sued

    Learn more.

    “The site was easy to navigate, it took very little time to answer the questions, and I had my quote within a few minutes instead of days.”

    • Products
    • General Liability
    • Workers’ Compensation
    • Property Liability (BOP)
    • Commercial Auto
    • Information
    • About Us
    • Resource Center
    • Loss Control
    • Legal
    • Privacy Policy
    • Terms Conditions
    • Other Disclosures

    2017 Berkshire Hathaway Direct Insurance Company

    2017 National Liability Fire Insurance Company





    Business Insurance – Small Business Insurance: Farmers Insurance, cheap business insurance.#Cheap #business

    Business

    Personalized coverage. Personalized service.

    Find your industry

    Farmers Business Insurance

    Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

    • Research business insurance options by coverage type and industry type.
    • Understand the value Farmers agents and claims representatives add to your experience.
    • Get answers to questions that are often asked by small business owners like you.

      Our goal here is simple: To equip you with information so you can choose the coverage you want for your business.

      Browse coverage types

      Business owners have told us they like the customizable policies Farmers offers — and these are the major components in your robust menu of business insurance options.

      Property – Coverage for risks related to your business’s building, property, inventory or income.

      Liability – Coverage for risks ranging from customer injuries to wrongful termination.

      Crime – Coverage against money and securities theft committed by employees or third parties.

      Auto – Coverage for vehicles you own, lease or rent for business use.

      Workers’ Compensation – Assistance for employees if an injury or illness occurs on the job.

      Umbrella – Additional liability coverage that supplements an underlying policy.

      Life – Coverage that can help attract and retain employees, and prepare for business succession.

      Loss Control – Services that help you increase on-the-job safety and efficiency.

      Additional business insurance options to consider

      You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

      Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

      Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

      Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

      Education and Non-Profit – For organizations including museums, schools and civic groups.

      Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

      Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

      Hospitality – For the owners of hotels, motels and bed and breakfasts.

      Manufacturing – For companies that manufacture products of virtually any type.

      Office – For the offices of independent professionals such as doctors, lawyers and consultants.

      Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

      Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

      Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

      Wholesale – For businesses that provide wholesale goods and services to retail industries.

      Why choose Farmers?

      We’ve spent almost 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

      The value of a Farmers agent

      Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

      The ease of a Farmers claim

      You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

      The experience of Farmers insights

      You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

      *Subject to policy terms, conditions, limits, and exclusions

      This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for

      your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.





    Cheap Business Insurance, cheap business insurance.#Cheap #business #insurance

    Secrets to Finding Cheap Business Insurance

    Face it, business insurance is a necessary expense. That’s why finding a cheap business insurance policy is every business owner’s goal. But is finding an affordable business insurance policy impossible without using a substandard company or sacrificing valuable coverage? Not necessarily.

    When was the last time you shopped for competitive business insurance quotes? Insurance is in constant flux. The same company that made you cry a year ago could have the best deal today. The first secret to finding a good business insurance policy is making the effort to look. By doing your homework, you can compare several policies and multiple companies, even. Make sure to take the time to get at least three Business Insurance Quotes

    Cheap business insurance

    Know Your Business Insurance Coverage

    This is easier said than done and you may very well need help with this one. That said, finding a cheap business insurance policy is impossible if you don’t know what your business insurance covers. For example, are you paying to insure that rickety old shed out back that is on its last leg? Did you know that you could pay a lower limit to insure equipment if it is used to maintain your building? Without reviewing the policy, there is no way to know exactly what you are paying for and where you could save money.

    Understanding what you want to insure is the second secret to finding affordable business insurance. Find an insurance company with which you feel comfortable discussing more complicated issues. This will help you and your insurance company to discover ways to control your business insurance costs without sacrificing valuable coverage.

    Find a Tailor

    Do you pay a fortune adding “Additional Insureds” to your policy? Are you paying extra for the cost to replace your building with similar materials and quality when you know you’d replace it with a cheaper, stronger metal building if it were destroyed? Did you know that many insurance companies have endorsements available to address these and other issues that cost you money?

    The third secret to finding an affordable business insurance policy is to identify areas where you feel you are paying too much. Make a list. Take this list to other insurance companies and identify your areas of concern. Also, there may be an insurance company with the resources to help tailor coverage to fit your needs and budget.

    The Bottom Line

    Finding a business insurance policy that fits your needs, and is in your price range, is not impossible. You can tailor your policy to your business with a little bit of research and legwork. Make sure to know what you’re paying for and study every business insurance policy that you’re considering carefully. By taking a little extra time now, you can save yourself a lot of money in the long run.

    Identify your areas of concern. Also, there may be an insurance company with the resources to help tailor coverage to fit your needs and budget.

    See how much you could save today on your insurance. Get your free business insurance quotes today!





    Business Insurance, biBERK, a Berkshire Hathaway Company, business insurance.#Business #insurance

    Business insurance

    Talk to our Licensed Experts

    (Mon – Fri 8am – 8pm EST)

    Up to 20% Savings. Policy in Minutes.

    Business Insurance by Warren Buffett’s Berkshire Hathaway Insurance Group.

    General Liability Insurance

    Workers’ Compensation Insurance

    Property Liability Insurance (BOP)

    Commercial Auto Insurance

    Why Choose biBERK

    Our Products

    General Liability Insurance

    • Protection from covered claims and suits
    • Provides investigation and defense against claims
    • Pays for physical injuries, property damage, and other costs

    Learn more.

    Workers’ Compensation Insurance

    • Mandatory for almost all businesses
    • Covers employees injured at work
    • Takes care of medical bills & lost wages

    Learn more.

    General Liability Property (BOP)

    • Protects your business property and lost income
    • Offers General Liability (GL) protection if your business is sued
    • Contains other coverages customized for your business
    • Business Owner’s Policy (BOP)

    Learn more.

    Commercial Auto Insurance

    • Covers a variety of company-owned vehicles
    • Provides coverage for:
      • Medical costs of the driver, passengers & people in the other car
      • Vehicle repair costs
      • Lawyer fees, settlements & judgments if you’re sued

    Learn more.

    “The site was easy to navigate, it took very little time to answer the questions, and I had my quote within a few minutes instead of days.”

    • Products
    • General Liability
    • Workers’ Compensation
    • Property Liability (BOP)
    • Commercial Auto
    • Information
    • About Us
    • Resource Center
    • Loss Control
    • Legal
    • Privacy Policy
    • Terms Conditions
    • Other Disclosures

    2017 Berkshire Hathaway Direct Insurance Company

    2017 National Liability Fire Insurance Company





    Business Insurance, You Own It – We Back It, CGU Insurance, business

    Business insurance

    There’s a reason CGU is Australia’s largest business insurer – we see it through so you can concentrate on the things that matter

    Popular CGU Products

    Public liability insurance

    Protect your business against liability claims including personal injury and property damage.

    Learn about Public liability

    Trades

    Whether you’re a plumber, electrician or painter, our trades insurance provides cover for your tools, vehicles and public liability.

    Learn about Trades insurance

    Small business

    Protect your small to medium sized business with flexible, tailored business insurance designed for your industry.

    Learn about Small business insurance

    Professional indemnity

    Protect your business against legal damages where your professional services or advice caused loss to your clients.

    Learn more about professional indemnity

    Workers compensation

    CGU workers compensation partners with your business to reduce workplace injuries and help your injured employees return to work.

    Learn about Workers compensation

    Farm insurance

    From crops to livestock and farm machinery, CGU’s expertise as Australia’s largest regional and rural insurer has you covered.

    Learn about Farm insurance

    Specialist covers

    CGU offers a range of tailored and specialised insurance products to provide your business with the protection it needs. We work with businesses across a diverse range of industries to develop customised insurance packages and services.

    Speak with a business insurance specialist

    Our team of friendly business insurance specialists can help you understand what covers are available for your business.

    You own it. We back it.

    Laura McCusker

    Business insurance

    Selayi Acar

    Business insurance

    Terry Squadrito

    Business insurance

    Save up to $75 when you buy small business insurance online*

    CGU has been there with business owners to see it through

    CGU is Australia’s largest business insurer, with over 165 years of trust, CGU is right beside you to make sure you can concentrate on running your business whilst we take care of your business insurance needs. Insurance for trades, retail businesses, professionals, hobby farmers, CGU has the insurance cover to suit the needs of your business, including liability insurance and workers compensation.

    24/7 claims

    We’re here to see it through for you anytime, any day. Call our claims team 24 hours a day, 7 days a week

    Find out more about CGU claims

    Over 160 years of trust

    Australians have been trusting CGU to protect them since 1851

    Find out more about our heritage

    98% of claims paid

    We pay on average 98% of claims we receive – so if you need to claim, you can rest assured we will see it through

    Find out more about CGU claims

    Car & Vehicle insurance

    Home & Contents

    Travel

    Life & Lifestyle

    Business

    About CGU Insurance

    Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. The advice on this website is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances” ). Before using this advice to decide whether to purchase the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available on this website.





    Compare Business Insurance Quotes Online at GoCompare, insurance for business.#Insurance #for #business

    Business insurance

    Compare business insurance quotes and find commercial cover with Simply Business [1]

    • Compare quotes from the likes of Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liability, buildings, contents, tools and equipment
    • A UK-based contact centre to answer all your business insurance questions

    Insurance for business

    What should I look for with business liability insurance?

    Is your business protected with employers’ liability cover?

    What does public liability insurance cover?

    How much does liability insurance cost?

    How long does liability insurance offer protection for?

    Does your car insurance cover your business usage?

    We’ve teamed up with Simply Business [1] to find business insurance policies that are as diverse and specialist as your company, big or small.

    Get informed


    • Looking for public liability insurance for your business?
    • Read more guides and tips in the Business insurance briefcase

    Pin down a policy today, and give yourself more time to get down to business.

    What’s business insurance?

    Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.

    Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:

    Public liability insurance

    Hell hath no fury like a scorned member of the public, especially when it comes to claims.

    Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.

    Professional indemnity insurance

    If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.

    Employers’ liability

    It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.

    But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business – fancy, eh?

    You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.

    Company insurance comparison


    Business notes


    • Employers’ liability insurance is compulsory for businesses that have one or more employees
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.

    Start your business insurance quote

    Have to hand info about claims made by your firm in the last five years, or any pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.

    You’ll then either be presented with your quotes online, or – if your circumstances don’t allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Need to know more about business insurance?

    Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous – give them a call if you’re unsure.

    But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries – we’re straightforward, so you won’t find buzzwords or marketing jargon here.

    The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.

    Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    • Insurance for business

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  • Business Insurance, biBERK, a Berkshire Hathaway Company, small business insurance.#Small #business #insurance

    Small business insurance

    Talk to our Licensed Experts

    (Mon – Fri 8am – 8pm EST)

    Up to 20% Savings. Policy in Minutes.

    Business Insurance by Warren Buffett’s Berkshire Hathaway Insurance Group.

    General Liability Insurance

    Workers’ Compensation Insurance

    Property Liability Insurance (BOP)

    Commercial Auto Insurance

    Why Choose biBERK

    Our Products

    General Liability Insurance

    • Protection from covered claims and suits
    • Provides investigation and defense against claims
    • Pays for physical injuries, property damage, and other costs

    Learn more.

    Workers’ Compensation Insurance

    • Mandatory for almost all businesses
    • Covers employees injured at work
    • Takes care of medical bills & lost wages

    Learn more.

    General Liability Property (BOP)

    • Protects your business property and lost income
    • Offers General Liability (GL) protection if your business is sued
    • Contains other coverages customized for your business
    • Business Owner’s Policy (BOP)

    Learn more.

    Commercial Auto Insurance

    • Covers a variety of company-owned vehicles
    • Provides coverage for:
      • Medical costs of the driver, passengers & people in the other car
      • Vehicle repair costs
      • Lawyer fees, settlements & judgments if you’re sued

    Learn more.

    “The site was easy to navigate, it took very little time to answer the questions, and I had my quote within a few minutes instead of days.”

    • Products
    • General Liability
    • Workers’ Compensation
    • Property Liability (BOP)
    • Commercial Auto
    • Information
    • About Us
    • Resource Center
    • Loss Control
    • Legal
    • Privacy Policy
    • Terms Conditions
    • Other Disclosures

    2017 Berkshire Hathaway Direct Insurance Company

    2017 National Liability Fire Insurance Company





    Business Insurance – Small Business Insurance: Farmers Insurance, small business insurance.#Small #business

    Business

    Personalized coverage. Personalized service.

    Find your industry

    Farmers Business Insurance

    Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

    • Research business insurance options by coverage type and industry type.
    • Understand the value Farmers agents and claims representatives add to your experience.
    • Get answers to questions that are often asked by small business owners like you.

      Our goal here is simple: To equip you with information so you can choose the coverage you want for your business.

      Browse coverage types

      Business owners have told us they like the customizable policies Farmers offers — and these are the major components in your robust menu of business insurance options.

      Property – Coverage for risks related to your business’s building, property, inventory or income.

      Liability – Coverage for risks ranging from customer injuries to wrongful termination.

      Crime – Coverage against money and securities theft committed by employees or third parties.

      Auto – Coverage for vehicles you own, lease or rent for business use.

      Workers’ Compensation – Assistance for employees if an injury or illness occurs on the job.

      Umbrella – Additional liability coverage that supplements an underlying policy.

      Life – Coverage that can help attract and retain employees, and prepare for business succession.

      Loss Control – Services that help you increase on-the-job safety and efficiency.

      Additional business insurance options to consider

      You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

      Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

      Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

      Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

      Education and Non-Profit – For organizations including museums, schools and civic groups.

      Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

      Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

      Hospitality – For the owners of hotels, motels and bed and breakfasts.

      Manufacturing – For companies that manufacture products of virtually any type.

      Office – For the offices of independent professionals such as doctors, lawyers and consultants.

      Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

      Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

      Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

      Wholesale – For businesses that provide wholesale goods and services to retail industries.

      Why choose Farmers?

      We’ve spent almost 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

      The value of a Farmers agent

      Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

      The ease of a Farmers claim

      You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

      The experience of Farmers insights

      You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

      *Subject to policy terms, conditions, limits, and exclusions

      This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for

      your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.





    Business Car Insurance, business insurance quotes.#Business #insurance #quotes

    Business car insurance

    By Les Roberts on Thursday 12 November 2015

    Business insurance quotes

    A standard car insurance policy covers your car for so-called social, domestic and personal use, which includes everyday driving such as visiting friends, the shops or a day out.

    Many policies also automatically cover your car if you commute to and from a regular place of work. So, if you drive the car to the same office every day, or park in the same station car park, you would be insured.

    But what if you drive to several different offices or work sites? Perhaps a colleague regularly takes your car to visit clients. Or maybe you drive hundreds of miles a week for business purposes. If so, you will almost certainly need business car insurance. It is often more expensive than standard motor insurance, but it is important to get the right cover for your needs.

    Higher premiums

    Business car insurance is typically more expensive than standard cover because a motorist who drives a vehicle for business as well as pleasure is deemed more risky. They will usually cover more miles, sometimes in heavy traffic and on unfamiliar roads. The chances of a claim therefore increase.

    Don’t be tempted to lie in an attempt to bring down the cost of insurance. When you apply for business car insurance quotes, the insurer will ask the usual questions about your age, postcode, and the make and model of the car.

    But you will also have to give details about your business and when and why you drive the vehicle for work. If you are dishonest, you are committing an offence and it could invalidate your policy. Your insurance would not then pay out in the event of a claim.

    Different classes of business car insurance

    There are different classes of business car insurance cover, though the details can differ between insurers so you should always check the terms and conditions carefully. For example, if you commute to work in your car, make sure it is covered under the definition of social domestic and pleasure, or you will need to arrange additional cover.

    You will probably need class 1 business use if you drive your car to multiple sites or offices, as well as your usual place of work

    You will probably need class 1 business use if you drive your car to multiple sites or offices, as well as your usual place of work. Most insurers also include a spouse on this type of policy, but would not insure the car for business use for any other named driver.

    The next level of business car insurance generally covers the policyholder and a named driver who uses the car to travel between different sites. Someone who travels extensively in the car for work will almost certainly need class 3 business use.

    Commercial car insurance

    Business car insurance is not the same as commercial car insurance, which is aimed primarily at motorists who use their car for commercial purposes such as a taxi or to make deliveries. Again, it is important to remember that the definitions of the different classes differ between insurers.

    A car used for business is also not the same as a company car. If you drive a company car, it should be insured by the company that owns or leases the vehicle.

    Find cheap business car insurance quotes

    Motorists usually pay more for business car insurance so it is especially important to try to keep costs down. One way to save money is to compare quotes from a number of different insurers – and it’s easy with MoneySuperMarket’s online car insurance comparison service.

    Choosing your vehicle with care can also help you to get a cheap car insurance quote. Insurers place cars in one of 50 groups – and cars in group one tend to be the cheapest to insure.

    Security is another important factor as a secure car is less likely to be stolen. You can often reduce your premium if you fit an approved alarm and immobiliser – and keep your car in a locked garage overnight.

    Insurers reward careful drivers with lower premiums, so try not to claim unless the damage is serious. You can then build up a no claims discount and potentially cut the cost of cover by as much as 75%.

    No one wants to pay over the odds for business car insurance but it is also important to remember that the cheapest policy is not always the best. You might, for example, want to pay a little bit extra for more extensive cover.

    Did you find this helpful? Why not share this article?





    NY Business Insurance – New York Small Business Insurance, Hiscox, business insurance

    New York Business Insurance

    Get an instant, free quote and buy online

    As small business insurance specialists we understand that every business is different, which is why we don’t offer one-size-fits-all solutions. We customize our small business insurance policies for New York business owners to fit the risks your company faces so you can get the right coverage, right now.

    All small business owners should consider protecting their business with the right small business insurance. Hiscox small business insurance offers:

    General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

    • Bodily injury: A client trips over their personal trainers workout bag during their training session and breaks their ankle. A general liability insurance policy could cover the claim for medical expenses up to the policy limits.
    • Property damage: A tax preparer gets contracted to do a major corporation’s taxes on site. While setting up the tax preparer spills his tea over the corporation’s server causing irreparable damage. A general liability policy could cover the claim, up to policy limits.
    • Personal injury: An consultant within a public relations company is overheard talking about one of the company’s top client’s in a rude and unflattering way. The client hears about what was said and sues the company for slander. General liability insurance could cover the subsequent claim, up to general liability policy limits.

    Professional liability insurance, also known as errors and omissions insurance (E O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

    • Dissatisfied client: A marketing consultant is working for a client who continually changes the scope of the project. When the consultant is not able to meet the original deadline for the expanded project, the client sues. Even if you haven’t made a mistake, professional liability insurance coverage could cover the cost of defending you up to policy limits.
    • Negligence: An investment consultant advises a client to invest in a start-up company that goes bankrupt in a year. It is later discovered that the consultant did not thoroughly research the company before advising the client to invest, and the client sues. A professional liability insurance policy could protect the consultant, including defense costs, up to policy limits.

    Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

    • Office insurance for fire and business interruption.
    • Electronic data loss insurance.
    • Hired or non-owned vehicle liability insurance.
    • Commercial crime insurance to cover the dishonesty of your employees.

    Hiscox now offers state mandated workers compensation insurance to ensure that injured workers receive prompt and fair compensation for job-related injuries and diseases. In most states, laws require you to pay for an injured worker’s medical care, lost wages, and death benefits. A Hiscox Workers Compensation Insurance policy must be purchased with another Hiscox business insurance policy. To get a free quote, call us at 1-855-743-2308 and speak to a licensed insurance agent, Mon-Fri 8am-10pm ET.





    Commercial Insurance Coverage by Industry: Farmers Insurance, insurance for business.#Insurance #for #business

    Business Insurance for Your Industry

    Search for commercial coverage you can tailor specifically for the small business you run.

    Browse Business Insurance by Industry

    FarmersВ® understands your business has unique coverage needs

    Commercial insurance from Farmers isn’t a one-size-fits-all solution. Each business owners policy (BOP) begins with essential coverage like liability and property insurance — you can then customize it for your specific requirements. Whether you operate a restaurant or retail store, you choose the coverage you want.

    Contact a Farmers agent in your area today to discuss customized coverage that’s right for you.

    Research insurance for your industry

    Simply select your industry for more information about coverage like this — and more.

    Apartments

    Auto Service and Repair

    Commercial Real Estate

    Education and Non-Profit

    Tuition and Fees

    Home and Building Services

    Tools and Equipment

    Homeowners Associations

    Directors and Officers Liability

    Hospitality

    Manufacturing

    Office

    Religious Organizations

    Restaurants and Food Trucks

    Retail Stores

    Wholesale

    Transportation and Cargo

    This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of CompaniesВ®, or their employees or agents provide tax or legal advice. Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction. Not all products, coverages, discounts are available in every state. Restrictions, exclusions, limits, and conditions apply.

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    Business Insurance, You Own It – We Back It, CGU Insurance, small

    Business insurance

    There’s a reason CGU is Australia’s largest business insurer – we see it through so you can concentrate on the things that matter

    Popular CGU Products

    Public liability insurance

    Protect your business against liability claims including personal injury and property damage.

    Learn about Public liability

    Trades

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    Learn about Trades insurance

    Small business

    Protect your small to medium sized business with flexible, tailored business insurance designed for your industry.

    Learn about Small business insurance

    Professional indemnity

    Protect your business against legal damages where your professional services or advice caused loss to your clients.

    Learn more about professional indemnity

    Workers compensation

    CGU workers compensation partners with your business to reduce workplace injuries and help your injured employees return to work.

    Learn about Workers compensation

    Farm insurance

    From crops to livestock and farm machinery, CGU’s expertise as Australia’s largest regional and rural insurer has you covered.

    Learn about Farm insurance

    Specialist covers

    CGU offers a range of tailored and specialised insurance products to provide your business with the protection it needs. We work with businesses across a diverse range of industries to develop customised insurance packages and services.

    Speak with a business insurance specialist

    Our team of friendly business insurance specialists can help you understand what covers are available for your business.

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    CGU has been there with business owners to see it through

    CGU is Australia’s largest business insurer, with over 165 years of trust, CGU is right beside you to make sure you can concentrate on running your business whilst we take care of your business insurance needs. Insurance for trades, retail businesses, professionals, hobby farmers, CGU has the insurance cover to suit the needs of your business, including liability insurance and workers compensation.

    24/7 claims

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    About CGU Insurance

    Insurance issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. The advice on this website is general advice only and does not take into account your individual objectives, financial situation or needs (“your personal circumstances” ). Before using this advice to decide whether to purchase the insurance policy, you should consider your personal circumstances and the relevant Product Disclosure Statement available on this website.





    Small Business Insurance Cove, small business insurance.#Small #business #insurance

    Small Business Insurance

    By Kevin Pratt on Wednesday 25 May 2016

    In this Article

    Please read below to find out more about the covers which small business insurance comprises of, or click on the ‘get a quote now’ button below to begin your quote.

    Get a business insurance quote

    What cover do small businesses need?

    Choosing the right cover is primarily dependant on the profession or trade that you operate in. As a starting point, the following are the core insurance covers for small business trades:

    Public Liability Insurance: This provides cover in the event of a member of the public being injured or having their property damaged whilst at your premises.

    Should you have to pay out for potentially crippling damages and legal costs, public liability cover will protect your company and provide financial recompense.

    A claim could arise from something as innocuous as a client tripping on an uneven floor tile and fracturing their ankle, so it really is important to ensure you have adequate cover in this area.

    Professional indemnity cover can protect you in situations when a mistake is made on your behalf, resulting in incorrect advice being given to a client. If the client then suffers financial loss as a result of this information, you could be faced with a compensation claim.

    Even if you feel you are not at fault, you could still be forced to pay for legal defence to fight your case, which could endanger the future of your business. Professional Indemnity insurance can cover the cost of necessary legal proceedings and any compensation you have to pay out to a client.

    Employers’ Liability Insurance: This provides cover in the event that a member of your staff (whilst in your employment) is injured or suffers from a work related illness. Employers’ liability cover is required by law if you have one or more people in your employment.

    Tools cover: This is a key area to many business insurance policies. Make sure you insure your property and tools of the trade for the full value and keep receipts or other proof of ownership.

    How to choose a small business policy?

    There are a smaller number of business insurance companies compared to say the car insurance sector, so you should expect to receive fewer quotes. You may also find that there are brands you have previously not heard of.

    To ensure you are happy with a potential insurer, read through the policy wording, and small print, and also examine the insurers that underwrite each brand.

    Ensure you review your quotes in detail, and pay particular attention to exclusions (or endorsements) that will apply to the policy.

    To compare business insurance from UK companies, please hit the get a quote now button above.

    Did you find this helpful? Why not share this article?





    Compare Public Liability Insurance – MoneySuperMarket, business liability insurance.#Business #liability #insurance

    Public Liability Insurance

    Public liability insurance provides protection for small

    businesses and the self-employed. Compare quotes

    today from leading insurers and buy online in minutes

    What is public liability insurance?

    If you are running a business, public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It will cover legal costs and any compensation claims if your business is found to be at fault.

    What does public liability insurance cover?

    For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

    Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

    The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood).

    The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

    Read our public liability FAQs page for information on what’s not covered.

    Business liability insurance

    Business liability insurance

    Do I need public liability insurance?

    Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it.

    Compare public liability insurance quotes from UK insurers such as:

    Business liability insurance

    Business Insurance Guides

    What does public liability cover

    Our guide to what public liability insurance covers

    What is public liability insurance

    Public liability insurance is one of the main types of business insurance

    How much public liability cover do I need

    How much public liability cover you need will depend on the work you do

    Who needs public liability insurance

    Finding the right cover for a self employed business

    Business Insurance Options

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    We ve answered some of your frequently asked questions

    Public liability glossary

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    How much is public liability insurance

    How much your public liability insurance costs

    Business insurance

    Get cheap business insurance quotes today

    Professional indemnity insurance

    Find the right professional indemnity cover

    Business building insurance

    Compare business building insurance cover

    Public liability insurance will not cover:

    • Accidents that happen to you.
    • Damage to your own property or accidents that affect your employees or their possessions.
    • Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy, which is a legal requirement.

    What else do I need to know about public liability insurance?

    First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.

    As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.

    How can I compare public liability insurance deals?

    As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.

    MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.

    Do I need public liability insurance?

    We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.





    Business Insurance Solutions For Small – Large Businesses, Santam, business insurance quotes.#Business

    Business insurance solutions

    We understand that every business is unique and that risks differ. Whether you operate a hair salon or a large accounting firm, Santam has nearly 100 years of experience and in-depth expertise to insure your business properly.

    Business insurance can seem like a complicated maze, which is why we’ve created a simplified interactive visual of typical business risks.

    Brochure

    The benefits of insuring your business with us

    Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need five more reasons to choose Insurance good and proper.

    Welcome to our blog

    Advice, insights and expert opinions for SME owners and managers

    Business insurance quotes

    Hidden costs of starting a new business

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    What we cover

    Selecting the right insurance for your business is often seen as a difficult, time-consuming task. But while no two businesses are ever exactly the same, there are certain risks that most businesses share in common. To help make selecting the right insurance for you simpler and easier, we’ve created an interactive tool to help highlight the different types of risk your business could potentially face, and the solutions we offer.

    Business insurance quotes

    Goods in transit

    Theft or damage to goods in transit is very often out of your control and can happen at any time due to various circumstances, which makes being covered for this risk so important.

    Business insurance quotes

    Vehicles

    If it has wheels we can cover it with comprehensive insurance for all types of vehicles from, cars, bakkies, busses, trucks, trailers, caravans and motorcycles.

    Business insurance quotes

    Machinery breakdown

    Your machinery may be covered for fire and theft, but we also cover accidental damage to your equipment and machinery and the costs associated with repairing it.

    Business insurance quotes

    Deterioration of stock

    Breakdown of machinery may also result in the loss of refrigerated stock, but we have you covered for financial or related loss that may occur.

    Insurance for small businesses

    We understand that risks differ and that every start-up business is unique. Through a focused small business insurance offering, we will help to ensure that your start-up is properly covered.

    Get great deals through our partners

    Benefit from the range of Santam service providers that offer exclusive discounts on services that will improve the safety and security of you, your family and possessions.

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    Use these simple tools to check if your business is sufficiently protected. Having the right cover in place will ensure quick and hassle-free claims in times of need.

    Santam app

    Manage your business and personal insurance inventory, send and receive instant SOS alerts and track the safety of loved ones with one easy swipe on your smartphone.

    In the news

    Fires cost South African businesses millions annually

    South Africa loses millions of rand to fire each year. The past fire season has seen thousands of people displaced from their homes as a result of fires in the Knysna area while acres of vineyards were destroyed in the Western Cape in January, decimating revenues within the wine industry.

    Insuring the wine industry

    20 January 2017

    The recent spate of fires in the winelands of the Western Cape has again brought the issue of the wine producer’s risk to the fore, with a number of wine farms being adversely affected. Shehnaz Somers, head of commercial underwriting at Santam said the company is still assessing the damage and loss as a result of fires spreading to well-known vineyards and guest farms in the winelands and surrounding areas over the past month.

    Business insurance quotes

    What is the key to small business marketing?

    Business insurance quotes

    What causes the most problems for entrepreneurs?

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    What is an entrepreneur’s biggest obstacle?

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    What are the biggest lessons you have learnt?

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    Curb excessive sick leave to prevent abuse of the system

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    What is the key to small business marketing?

    You represent the heart and soul of your small business. The key to your marketing campaign is to share your story proudly, passionately and with sincerity.

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    What causes the most problems for entrepreneurs?

    It is impossible to turn your entrepreneurial dreams into reality all by yourself. Find the right partners or trust the experts to help you get the business basics in place right from the start.

    Business insurance quotes

    What is an entrepreneur’s biggest obstacle?

    Don’t let the details get in the way of your success. If there’s an opportunity, seize it! Your determination and actions will set the pace for the plan to evolve.

    Business insurance quotes

    What are the biggest lessons you have learnt?

    Your passion and skill is what drives your business. But the ultimate key to achievement is patience and know-how to take your small business to a sustainable and successful level into the future.

    Business insurance quotes

    Curb excessive sick leave to prevent abuse of the system

    Abuse of sick leave benefits among staff often present huge challenges for employers. Address this issue to prevent the exploitation of the system and increase the productivity of your workforce.

    Business insurance quotes

    Doing business in other countries

    Expanding your business across the border? First, find the right legal partner on the other side to help you understand and consider all the legal parameters, practicalities and infrastructure required to support your business.





    Business Insurance quotes, Public Liability Insurance, NRMA, business insurance quote.#Business #insurance #quote

    Business Insurance

    Protect yourself and your business against claims for negligent acts, which cause personal injury and/or property damage to others with Public Liability Insurance.

    As a tradesperson you do a lot to protect yourself at work. Don’t forget to protect your business too. Our Business Insurance has the cover to do just that.

    Are you a doctor, lawyer, accountant, architect, real estate agent or other type of professional service provider? Our Business Insurance has the cover to protect your business.

    Business insurance quote

    Other products we offer

    Hobby Rural Farm

    Save up to $75 when you buy Hobby Farm Insurance online.

    Whether you’re a grazier, grower, dairy farmer or have a hobby farm, our Farm Insurance has the cover to protect your farm.

    Retailers

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    Are you retailing goods or services? Our Business Insurance has the cover to protect your business.

    Property Owners

    Protecting Commercial properties you own now and for the future is easy. Our Business Insurance has the cover to protect your business.

    Hospitality

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    You have a passion for making great coffee and creating amazing meals. Our Business Insurance has the cover to protect your business.

    Motor Trades

    Motor Trade Insurance is here to help mechanics, panel beaters, detailers and more. Get a quote from NRMA Insurance online

    Domestic Services Repairs

    Save up to $75 when you buy online.

    If you provide services such as the local handyman, domestic cleaner, pet groomer, dressmaker or the like, our Business Insurance has the cover to protect your business.

    Health Medical Services

    Save up to $75 when you buy online.

    Are you a doctor, veterinarian, dietician, osteopath, or offer a type of health or medical service? Our Business Insurance has the cover to protect your business.

    Home Business

    Nowadays more and more people are discovering the joy of working from home. Make sure you have the correct level of cover to protect yourself and your business.

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    Shannon is a builder who transforms interiors. He shares the opportunities and challenges that have come with running his own business.

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    Sevi is a florist who always wanted to have her own business. She explains about how long hours, finding great staff and having good insurance have helped her to success.

    Download our free NRMA app

    NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

    *National Roads and Motorists’ Association Limited ABN 77 000 010 506 (the NRMA) is a separate independent company from NRMA Insurance.

    For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

    The Loyalty Discount replaces our previous discount structure, and applies to new eligible policies which commence on or after 16 March 2014, and renewing eligible policies which commence on or after 28 April 2014. For more details, please refer to the Premium, Excess Discounts Guide.

    Visit our online terms and privacy security statement | Visit Money Smart for financial guidance from ASIC to help you make informed choices.





    Compare Business Insurance Quotes Online at GoCompare, business insurance quote.#Business #insurance #quote

    Business insurance

    Compare business insurance quotes and find commercial cover with Simply Business [1]

    • Compare quotes from the likes of Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liability, buildings, contents, tools and equipment
    • A UK-based contact centre to answer all your business insurance questions

    Business insurance quote

    What should I look for with business liability insurance?

    Is your business protected with employers’ liability cover?

    What does public liability insurance cover?

    How much does liability insurance cost?

    How long does liability insurance offer protection for?

    Does your car insurance cover your business usage?

    We’ve teamed up with Simply Business [1] to find business insurance policies that are as diverse and specialist as your company, big or small.

    Get informed


    • Looking for public liability insurance for your business?
    • Read more guides and tips in the Business insurance briefcase

    Pin down a policy today, and give yourself more time to get down to business.

    What’s business insurance?

    Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.

    Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:

    Public liability insurance

    Hell hath no fury like a scorned member of the public, especially when it comes to claims.

    Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.

    Professional indemnity insurance

    If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.

    Employers’ liability

    It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.

    But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business – fancy, eh?

    You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.

    Company insurance comparison


    Business notes


    • Employers’ liability insurance is compulsory for businesses that have one or more employees
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.

    Start your business insurance quote

    Have to hand info about claims made by your firm in the last five years, or any pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.

    You’ll then either be presented with your quotes online, or – if your circumstances don’t allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Need to know more about business insurance?

    Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous – give them a call if you’re unsure.

    But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries – we’re straightforward, so you won’t find buzzwords or marketing jargon here.

    The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.

    Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    • Business insurance quote

    Make money from honey

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    Cool stuff we saw at Digital 2017

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    Lessons from Sir Terry Matthews

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    Protect your business from cyber attacks

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    Cat cafes: get the lowdown

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    Cheap vans for young drivers

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    How to rejuvenate your career

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  • Business Insurance, biBERK, a Berkshire Hathaway Company, business insurance quote.#Business #insurance #quote

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    Our Products

    General Liability Insurance

    • Protection from covered claims and suits
    • Provides investigation and defense against claims
    • Pays for physical injuries, property damage, and other costs

    Learn more.

    Workers’ Compensation Insurance

    • Mandatory for almost all businesses
    • Covers employees injured at work
    • Takes care of medical bills & lost wages

    Learn more.

    General Liability Property (BOP)

    • Protects your business property and lost income
    • Offers General Liability (GL) protection if your business is sued
    • Contains other coverages customized for your business
    • Business Owner’s Policy (BOP)

    Learn more.

    Commercial Auto Insurance

    • Covers a variety of company-owned vehicles
    • Provides coverage for:
      • Medical costs of the driver, passengers & people in the other car
      • Vehicle repair costs
      • Lawyer fees, settlements & judgments if you’re sued

    Learn more.

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    NY Business Insurance – New York Small Business Insurance, Hiscox, business insurance.#Business

    New York Business Insurance

    Get an instant, free quote and buy online

    As small business insurance specialists we understand that every business is different, which is why we don’t offer one-size-fits-all solutions. We customize our small business insurance policies for New York business owners to fit the risks your company faces so you can get the right coverage, right now.

    All small business owners should consider protecting their business with the right small business insurance. Hiscox small business insurance offers:

    General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

    • Bodily injury: A client trips over their personal trainers workout bag during their training session and breaks their ankle. A general liability insurance policy could cover the claim for medical expenses up to the policy limits.
    • Property damage: A tax preparer gets contracted to do a major corporation’s taxes on site. While setting up the tax preparer spills his tea over the corporation’s server causing irreparable damage. A general liability policy could cover the claim, up to policy limits.
    • Personal injury: An consultant within a public relations company is overheard talking about one of the company’s top client’s in a rude and unflattering way. The client hears about what was said and sues the company for slander. General liability insurance could cover the subsequent claim, up to general liability policy limits.

    Professional liability insurance, also known as errors and omissions insurance (E O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

    • Dissatisfied client: A marketing consultant is working for a client who continually changes the scope of the project. When the consultant is not able to meet the original deadline for the expanded project, the client sues. Even if you haven’t made a mistake, professional liability insurance coverage could cover the cost of defending you up to policy limits.
    • Negligence: An investment consultant advises a client to invest in a start-up company that goes bankrupt in a year. It is later discovered that the consultant did not thoroughly research the company before advising the client to invest, and the client sues. A professional liability insurance policy could protect the consultant, including defense costs, up to policy limits.

    Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

    • Office insurance for fire and business interruption.
    • Electronic data loss insurance.
    • Hired or non-owned vehicle liability insurance.
    • Commercial crime insurance to cover the dishonesty of your employees.

    Hiscox now offers state mandated workers compensation insurance to ensure that injured workers receive prompt and fair compensation for job-related injuries and diseases. In most states, laws require you to pay for an injured worker’s medical care, lost wages, and death benefits. A Hiscox Workers Compensation Insurance policy must be purchased with another Hiscox business insurance policy. To get a free quote, call us at 1-855-743-2308 and speak to a licensed insurance agent, Mon-Fri 8am-10pm ET.





    Compare Public Liability Insurance – MoneySuperMarket, business insurance.#Business #insurance

    Public Liability Insurance

    Public liability insurance provides protection for small

    businesses and the self-employed. Compare quotes

    today from leading insurers and buy online in minutes

    What is public liability insurance?

    If you are running a business, public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It will cover legal costs and any compensation claims if your business is found to be at fault.

    What does public liability insurance cover?

    For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

    Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

    The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood).

    The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

    Read our public liability FAQs page for information on what’s not covered.

    Business insurance

    Business insurance

    Do I need public liability insurance?

    Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it.

    Compare public liability insurance quotes from UK insurers such as:

    Business insurance

    Business Insurance Guides

    What does public liability cover

    Our guide to what public liability insurance covers

    What is public liability insurance

    Public liability insurance is one of the main types of business insurance

    How much public liability cover do I need

    How much public liability cover you need will depend on the work you do

    Who needs public liability insurance

    Finding the right cover for a self employed business

    Business Insurance Options

    Public liability FAQs

    We ve answered some of your frequently asked questions

    Public liability glossary

    Commonly used terms acronyms explained

    How much is public liability insurance

    How much your public liability insurance costs

    Business insurance

    Get cheap business insurance quotes today

    Professional indemnity insurance

    Find the right professional indemnity cover

    Business building insurance

    Compare business building insurance cover

    Public liability insurance will not cover:

    • Accidents that happen to you.
    • Damage to your own property or accidents that affect your employees or their possessions.
    • Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy, which is a legal requirement.

    What else do I need to know about public liability insurance?

    First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.

    As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.

    How can I compare public liability insurance deals?

    As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.

    MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.

    Do I need public liability insurance?

    We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.





    Compare Business Insurance Quotes – MoneySuperMarket, business insurance companies.#Business #insurance #companies

    Business Insurance

    We’ve teamed up with Simply Business to help

    you compare cover from UK insurance companies

    Compare business insurance quotes from major UK insurers such as:

    Business insurance companies

    Business Insurance Guides

    Professional indemnity insurance

    Find the right professional indemnity cover

    Self employed business insurance

    Finding the right cover for a self employed business

    Employers liability insurance

    Get the best deals on liability insurance as an employer

    Tradesmen insurance

    Compare quotes for tradesmen insurance and read our guide

    Market traders insurance

    Find out more about business insurance for market traders

    Shop insurance

    Ensure your shop has adequate cover

    Small business insurance

    Find the cheapest deals on small business insurance

    Business building insurance

    Compare business building insurance cover

    Builders insurance

    Find out all you need to know about business insurance for builders

    Home business insurance

    Lower the cost of your home business insurance cover

    Office insurance

    Find the best deals on office insurance

    Business start up guide

    Our useful guide to starting up a new small business

    Pub insurance

    Find a good deal on pub insurance

    Electricians insurance

    Find and compare cover for electricians

    Plumbers insurance

    Read more about plumbers business insurance and the different types of cover options availble.

    Insurance for professionals

    Finding business insurance for professionals

    Business Insurance Options

    Public liability insurance

    Compare cheap public liability quotes today

    Money saving tips

    Helping you to get the most out of your money

    Business insurance guide

    Find the right business insurance policy at a low cost

    Small business insurance

    Find the cheapest deals on small business insurance

    Business insurance FAQs

    The answers to your most frequently asked questions

    Business building insurance

    Compare business building insurance cover

    Why take out business insurance?

    Business insurance provides essential protection to help create a secure, viable and compliant enterprise. Cover can be tailored to your business, whether it is small or large, including options such as public liability and business buildings insurance. Employer’s liability insurance is required by law.

    Compare quotes with MoneySuperMarket

    Are you searching for low cost protection for your company? MoneySuperMarket.com has teamed up with Simply Business to help you compare the leading UK business insurance companies in one quick search.

    We can help you to compare business insurers to enable you to search for a cost effective and comprehensive solution to your business insurance needs.

    Whether you are a self-employed business owner looking to find professional indemnity insurance, or the owner of a larger business looking to cover the needs of your employees with employee liability insurance, moneysupermarket.com can help you to find the right policy to suit your requirements.

    By using the business insurance comparison tool of our partner Simply Business, you can find a cheaper policy quickly and easily.

    To compare prices, all you need to do is answer a series of simple questions about your business and the sector it is based in and we’ll provide you with a list of business insurance quotes tailored to your search.

    We’ll help you to compare more than just the price of your business insurance cover, with a variety of options, policy types and services to choose from, enabling you to build the best fit policy for your business.

    To search for a new policy and find the best online business insurance quote for your company, simply click the link below to start using our free comparison tool.

    We want to show you quotes from as many business insurers as posisble, so you can find the right policy for you and your business. We can’t promise to have quotes from every single insurer, because some companies don’t want to be included on comparison websites. You can find out more about how we work here.

    Insuring your business

    Finding the right insurance cover for your business is essential as it provides protection against unforeseen costs, such as compensation and legal fees. The field of business you are in will determine the type of business insurance you might need. Options include public liability insurance and property insurance, amongst others.

    Get the right insurance for your business with MoneySuperMarket

    Finding the right insurance at the right price can be tricky. No two businesses are the same, and neither are their insurance needs.

    With the help of MoneySuperMarket, you can choose a policy that matches your business requirements, so you only pay for the cover you need.

    From self-employed tradesmen to fast-growing tech firms, you can compare business insurance quotes from a range of leading insurers. Thanks to our easy-to-use quote form, you can buy online in minutes, feeling safe in the knowledge that you’re covered for the risks, liabilities and incidents that are part of everyday business life.

    Important Information

    Please read the following information about our service and print copies for your own records.

    Business insurance companiesAbout our service





    Commercial Insurance Coverage by Industry: Farmers Insurance, insurance for business.#Insurance #for #business

    Business Insurance for Your Industry

    Search for commercial coverage you can tailor specifically for the small business you run.

    Browse Business Insurance by Industry

    FarmersВ® understands your business has unique coverage needs

    Commercial insurance from Farmers isn’t a one-size-fits-all solution. Each business owners policy (BOP) begins with essential coverage like liability and property insurance — you can then customize it for your specific requirements. Whether you operate a restaurant or retail store, you choose the coverage you want.

    Contact a Farmers agent in your area today to discuss customized coverage that’s right for you.

    Research insurance for your industry

    Simply select your industry for more information about coverage like this — and more.

    Apartments

    Auto Service and Repair

    Commercial Real Estate

    Education and Non-Profit

    Tuition and Fees

    Home and Building Services

    Tools and Equipment

    Homeowners Associations

    Directors and Officers Liability

    Hospitality

    Manufacturing

    Office

    Religious Organizations

    Restaurants and Food Trucks

    Retail Stores

    Wholesale

    Transportation and Cargo

    This material is for general informational purposes only. This material may not reflect your particular circumstances. None of the companies comprising the Farmers Insurance Group of CompaniesВ®, or their employees or agents provide tax or legal advice. Always consult your own accountant, attorney or tax adviser as to the tax, financial, or legal consequences or advice on any particular transaction. Not all products, coverages, discounts are available in every state. Restrictions, exclusions, limits, and conditions apply.

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    Compare Business Insurance Quotes Online at GoCompare, insurance for business.#Insurance #for #business

    Business insurance

    Compare business insurance quotes and find commercial cover with Simply Business [1]

    • Compare quotes from the likes of Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liability, buildings, contents, tools and equipment
    • A UK-based contact centre to answer all your business insurance questions

    Insurance for business

    What should I look for with business liability insurance?

    Is your business protected with employers’ liability cover?

    What does public liability insurance cover?

    How much does liability insurance cost?

    How long does liability insurance offer protection for?

    Does your car insurance cover your business usage?

    We’ve teamed up with Simply Business [1] to find business insurance policies that are as diverse and specialist as your company, big or small.

    Get informed


    • Looking for public liability insurance for your business?
    • Read more guides and tips in the Business insurance briefcase

    Pin down a policy today, and give yourself more time to get down to business.

    What’s business insurance?

    Business insurance includes cover that protects you and your company from financial damages andbuilding or contents losses, relevant to your field or specialism.

    Broadly speaking, the most popular business insurance policies include public liability, professional indemnity and employers’ liability, with good reason:

    Public liability insurance

    Hell hath no fury like a scorned member of the public, especially when it comes to claims.

    Public liability insurance protects you if you damage their property, if they have an accident on your premises, or if you provide any advice or service (that doesn’t pan out) for a fee.

    Professional indemnity insurance

    If one of your customers sues you because you’ve damaged their property, or they claim you haven’t fulfilled your duties, professional indemnity insurance to the rescue to cover your legal fees.

    Employers’ liability

    It’ll cover the cost of the compensation plus legal fees if an employee sues you if they’re injured, or they contract a disease at work.

    But different policies will include all sorts of other cover, and you can make your policy suit the nuances of your business – fancy, eh?

    You can read all about more specialist business insurance in our guides and tips filed away in the Business insurance briefcase.

    Company insurance comparison


    Business notes


    • Employers’ liability insurance is compulsory for businesses that have one or more employees
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    To compare business insurance for your company, you’ll need details about your business and the level of cover you want. That includes public or product liability insurance, professional indemnity cover, buildings insurance, revenue protection or business interruption cover, protection for your business and office equipment and stock.

    Start your business insurance quote

    Have to hand info about claims made by your firm in the last five years, or any pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed info about your company and its work.

    You’ll then either be presented with your quotes online, or – if your circumstances don’t allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Need to know more about business insurance?

    Simply Business has insurance specialists on hand in the UK to chat through any questions you have, so don’t be nervous – give them a call if you’re unsure.

    But, we’ve also got heaps of guides, tips and factoids stowed away in our Business insurance briefcase to help you with any quandaries – we’re straightforward, so you won’t find buzzwords or marketing jargon here.

    The guides help you with your first steps, such as sensible levels of cover, business contents insurance, business buildings insurance, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    We unpick the technical cover, too. Watch out for guides to liability insurance, professional indemnity insurance and employers’ liability insurance.

    Plus, check out info about goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

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  • Small Business Insurance Cove, small business insurance.#Small #business #insurance

    Small Business Insurance

    By Kevin Pratt on Wednesday 25 May 2016

    In this Article

    Please read below to find out more about the covers which small business insurance comprises of, or click on the ‘get a quote now’ button below to begin your quote.

    Get a business insurance quote

    What cover do small businesses need?

    Choosing the right cover is primarily dependant on the profession or trade that you operate in. As a starting point, the following are the core insurance covers for small business trades:

    Public Liability Insurance: This provides cover in the event of a member of the public being injured or having their property damaged whilst at your premises.

    Should you have to pay out for potentially crippling damages and legal costs, public liability cover will protect your company and provide financial recompense.

    A claim could arise from something as innocuous as a client tripping on an uneven floor tile and fracturing their ankle, so it really is important to ensure you have adequate cover in this area.

    Professional indemnity cover can protect you in situations when a mistake is made on your behalf, resulting in incorrect advice being given to a client. If the client then suffers financial loss as a result of this information, you could be faced with a compensation claim.

    Even if you feel you are not at fault, you could still be forced to pay for legal defence to fight your case, which could endanger the future of your business. Professional Indemnity insurance can cover the cost of necessary legal proceedings and any compensation you have to pay out to a client.

    Employers’ Liability Insurance: This provides cover in the event that a member of your staff (whilst in your employment) is injured or suffers from a work related illness. Employers’ liability cover is required by law if you have one or more people in your employment.

    Tools cover: This is a key area to many business insurance policies. Make sure you insure your property and tools of the trade for the full value and keep receipts or other proof of ownership.

    How to choose a small business policy?

    There are a smaller number of business insurance companies compared to say the car insurance sector, so you should expect to receive fewer quotes. You may also find that there are brands you have previously not heard of.

    To ensure you are happy with a potential insurer, read through the policy wording, and small print, and also examine the insurers that underwrite each brand.

    Ensure you review your quotes in detail, and pay particular attention to exclusions (or endorsements) that will apply to the policy.

    To compare business insurance from UK companies, please hit the get a quote now button above.

    Did you find this helpful? Why not share this article?





    Get Business Insurance Quotes & Budget Business Cover, Hippo, business insurance quotes.#Business

    Insurance » Get Free Business Insurance Quotes

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    Business Insurance Guide

    More About Business Insurance

    Running your own business can be quite a risky affair. There are many risks that could determine your success, like damages, loss and theft to your stock and offices, as well as the constant threat of litigation. Your bottom line doesn’t have to be vulnerable to these threats – that’s why you need business insurance. Take the first step and fill in your details to instantly compare multiple competitive quotes that are right for you, whether you’re a florist, dentist, or accountant.

    Business Insurance FAQ

    We’ve put together a comprehensive list of FAQ’s to help you find out more protecting your business with insurance cover.

    Business Insurance Glossary

    Learn more about Business Insurance jargon and some of the day-to-day terms used within the Business Insurance industry.

    Labour Relations Act 1995

    Applies to all employers and workers and regulates leave, working hours, employment contracts, deductions, pay slips, and termination.





    Business Car Insurance, business insurance quotes.#Business #insurance #quotes

    Business car insurance

    By Les Roberts on Thursday 12 November 2015

    Business insurance quotes

    A standard car insurance policy covers your car for so-called social, domestic and personal use, which includes everyday driving such as visiting friends, the shops or a day out.

    Many policies also automatically cover your car if you commute to and from a regular place of work. So, if you drive the car to the same office every day, or park in the same station car park, you would be insured.

    But what if you drive to several different offices or work sites? Perhaps a colleague regularly takes your car to visit clients. Or maybe you drive hundreds of miles a week for business purposes. If so, you will almost certainly need business car insurance. It is often more expensive than standard motor insurance, but it is important to get the right cover for your needs.

    Higher premiums

    Business car insurance is typically more expensive than standard cover because a motorist who drives a vehicle for business as well as pleasure is deemed more risky. They will usually cover more miles, sometimes in heavy traffic and on unfamiliar roads. The chances of a claim therefore increase.

    Don’t be tempted to lie in an attempt to bring down the cost of insurance. When you apply for business car insurance quotes, the insurer will ask the usual questions about your age, postcode, and the make and model of the car.

    But you will also have to give details about your business and when and why you drive the vehicle for work. If you are dishonest, you are committing an offence and it could invalidate your policy. Your insurance would not then pay out in the event of a claim.

    Different classes of business car insurance

    There are different classes of business car insurance cover, though the details can differ between insurers so you should always check the terms and conditions carefully. For example, if you commute to work in your car, make sure it is covered under the definition of social domestic and pleasure, or you will need to arrange additional cover.

    You will probably need class 1 business use if you drive your car to multiple sites or offices, as well as your usual place of work

    You will probably need class 1 business use if you drive your car to multiple sites or offices, as well as your usual place of work. Most insurers also include a spouse on this type of policy, but would not insure the car for business use for any other named driver.

    The next level of business car insurance generally covers the policyholder and a named driver who uses the car to travel between different sites. Someone who travels extensively in the car for work will almost certainly need class 3 business use.

    Commercial car insurance

    Business car insurance is not the same as commercial car insurance, which is aimed primarily at motorists who use their car for commercial purposes such as a taxi or to make deliveries. Again, it is important to remember that the definitions of the different classes differ between insurers.

    A car used for business is also not the same as a company car. If you drive a company car, it should be insured by the company that owns or leases the vehicle.

    Find cheap business car insurance quotes

    Motorists usually pay more for business car insurance so it is especially important to try to keep costs down. One way to save money is to compare quotes from a number of different insurers – and it’s easy with MoneySuperMarket’s online car insurance comparison service.

    Choosing your vehicle with care can also help you to get a cheap car insurance quote. Insurers place cars in one of 50 groups – and cars in group one tend to be the cheapest to insure.

    Security is another important factor as a secure car is less likely to be stolen. You can often reduce your premium if you fit an approved alarm and immobiliser – and keep your car in a locked garage overnight.

    Insurers reward careful drivers with lower premiums, so try not to claim unless the damage is serious. You can then build up a no claims discount and potentially cut the cost of cover by as much as 75%.

    No one wants to pay over the odds for business car insurance but it is also important to remember that the cheapest policy is not always the best. You might, for example, want to pay a little bit extra for more extensive cover.

    Did you find this helpful? Why not share this article?





    Compare Business Insurance Quotes – MoneySuperMarket, business insurance quotes.#Business #insurance #quotes

    Business Insurance

    We’ve teamed up with Simply Business to help

    you compare cover from UK insurance companies

    Compare business insurance quotes from major UK insurers such as:

    Business insurance quotes

    Business Insurance Guides

    Professional indemnity insurance

    Find the right professional indemnity cover

    Self employed business insurance

    Finding the right cover for a self employed business

    Employers liability insurance

    Get the best deals on liability insurance as an employer

    Tradesmen insurance

    Compare quotes for tradesmen insurance and read our guide

    Market traders insurance

    Find out more about business insurance for market traders

    Shop insurance

    Ensure your shop has adequate cover

    Small business insurance

    Find the cheapest deals on small business insurance

    Business building insurance

    Compare business building insurance cover

    Builders insurance

    Find out all you need to know about business insurance for builders

    Home business insurance

    Lower the cost of your home business insurance cover

    Office insurance

    Find the best deals on office insurance

    Business start up guide

    Our useful guide to starting up a new small business

    Pub insurance

    Find a good deal on pub insurance

    Electricians insurance

    Find and compare cover for electricians

    Plumbers insurance

    Read more about plumbers business insurance and the different types of cover options availble.

    Insurance for professionals

    Finding business insurance for professionals

    Business Insurance Options

    Public liability insurance

    Compare cheap public liability quotes today

    Money saving tips

    Helping you to get the most out of your money

    Business insurance guide

    Find the right business insurance policy at a low cost

    Small business insurance

    Find the cheapest deals on small business insurance

    Business insurance FAQs

    The answers to your most frequently asked questions

    Business building insurance

    Compare business building insurance cover

    Why take out business insurance?

    Business insurance provides essential protection to help create a secure, viable and compliant enterprise. Cover can be tailored to your business, whether it is small or large, including options such as public liability and business buildings insurance. Employer’s liability insurance is required by law.

    Compare quotes with MoneySuperMarket

    Are you searching for low cost protection for your company? MoneySuperMarket.com has teamed up with Simply Business to help you compare the leading UK business insurance companies in one quick search.

    We can help you to compare business insurers to enable you to search for a cost effective and comprehensive solution to your business insurance needs.

    Whether you are a self-employed business owner looking to find professional indemnity insurance, or the owner of a larger business looking to cover the needs of your employees with employee liability insurance, moneysupermarket.com can help you to find the right policy to suit your requirements.

    By using the business insurance comparison tool of our partner Simply Business, you can find a cheaper policy quickly and easily.

    To compare prices, all you need to do is answer a series of simple questions about your business and the sector it is based in and we’ll provide you with a list of business insurance quotes tailored to your search.

    We’ll help you to compare more than just the price of your business insurance cover, with a variety of options, policy types and services to choose from, enabling you to build the best fit policy for your business.

    To search for a new policy and find the best online business insurance quote for your company, simply click the link below to start using our free comparison tool.

    We want to show you quotes from as many business insurers as posisble, so you can find the right policy for you and your business. We can’t promise to have quotes from every single insurer, because some companies don’t want to be included on comparison websites. You can find out more about how we work here.

    Insuring your business

    Finding the right insurance cover for your business is essential as it provides protection against unforeseen costs, such as compensation and legal fees. The field of business you are in will determine the type of business insurance you might need. Options include public liability insurance and property insurance, amongst others.

    Get the right insurance for your business with MoneySuperMarket

    Finding the right insurance at the right price can be tricky. No two businesses are the same, and neither are their insurance needs.

    With the help of MoneySuperMarket, you can choose a policy that matches your business requirements, so you only pay for the cover you need.

    From self-employed tradesmen to fast-growing tech firms, you can compare business insurance quotes from a range of leading insurers. Thanks to our easy-to-use quote form, you can buy online in minutes, feeling safe in the knowledge that you’re covered for the risks, liabilities and incidents that are part of everyday business life.

    Important Information

    Please read the following information about our service and print copies for your own records.

    Business insurance quotesAbout our service





    Compare Public Liability Insurance – MoneySuperMarket, business insurance quote.#Business #insurance #quote

    Public Liability Insurance

    Public liability insurance provides protection for small

    businesses and the self-employed. Compare quotes

    today from leading insurers and buy online in minutes

    What is public liability insurance?

    If you are running a business, public liability insurance protects you if a member of the public suffers an injury or if any of their property is damaged because of your business. It will cover legal costs and any compensation claims if your business is found to be at fault.

    What does public liability insurance cover?

    For injuries to a third party or damage to their property, whether an incident takes place on your business premises, a customer’s premises or elsewhere.

    Should a claim be made against you, cover will be provided to help you cover the cost of any legal proceedings.

    The cost of repairing damage (for example, to a client’s carpets if you are a plumber and do something in the course of your work which causes a flood).

    The cost of hospital treatment (including the cost of calling out an ambulance), if the NHS chooses to claim against you.

    Read our public liability FAQs page for information on what’s not covered.

    Business insurance quote

    Business insurance quote

    Do I need public liability insurance?

    Unlike employers’ liability insurance, public liability insurance is not a legal requirement. However, it is considered an essential among business owners, and in some professions you may find it impossible to trade without it.

    Compare public liability insurance quotes from UK insurers such as:

    Business insurance quote

    Business Insurance Guides

    What does public liability cover

    Our guide to what public liability insurance covers

    What is public liability insurance

    Public liability insurance is one of the main types of business insurance

    How much public liability cover do I need

    How much public liability cover you need will depend on the work you do

    Who needs public liability insurance

    Finding the right cover for a self employed business

    Business Insurance Options

    Public liability FAQs

    We ve answered some of your frequently asked questions

    Public liability glossary

    Commonly used terms acronyms explained

    How much is public liability insurance

    How much your public liability insurance costs

    Business insurance

    Get cheap business insurance quotes today

    Professional indemnity insurance

    Find the right professional indemnity cover

    Business building insurance

    Compare business building insurance cover

    Public liability insurance will not cover:

    • Accidents that happen to you.
    • Damage to your own property or accidents that affect your employees or their possessions.
    • Incidents like these should be covered under your generalbusiness insurancepolicy and / or your employers’ liability insurance policy, which is a legal requirement.

    What else do I need to know about public liability insurance?

    First and foremost, it’s important to note that the complete cost of any claim you need to make under public liability cover is unlikely to be met by your insurer. You are likely to have to pay an excess at a level agreed when you first set up your policy – for example, the first £250 or £500 of any claim.

    As a general rule of thumb, if you opt for a higher excess the price of your public liability insurance premium may come down – but it’s important to be sure you could genuinely afford to pay the excess in the event of a crisis.

    How can I compare public liability insurance deals?

    As with any form of insurance, it’s important to compare a variety of public liability insurance policies from different providers before buying. Check the levels of protection on offer as well as the annual premiums, and consider carefully where you should set your excess.

    MoneySuperMarket’s public liability insurance comparison channel will help you gather a selection of quotes within minutes, to help you find the best deal for you.

    Do I need public liability insurance?

    We’ve teamed up with Simply Business to help you compare a range of quotes from leading insurers. It’s quick and easy to complete a quote and you can buy a policy online in minutes.





    Business Insurance, Small Business Insurance Quotes, cheap business insurance.#Cheap #business #insurance

    Protect Your Company with Business Insurance

    When you own a business of any kind, you need an insurance policy that will protect it. In particular, you need business insurance that perfectly suits your industry, and we are proud to offer it. When you get an insurance policy from us, you are taking the first step toward protecting your business, your employees, and yourself. We are happy to assist you with the process of obtaining the best insurance policy for your business, starting with an overview of the types of coverage you can expect.

    Cheap business insurance

    General liability is one of the main coverage types you will get in your business insurance policy. You typically need this coverage if you want to rent property for your business. This is because it will protect you from any lawsuits that could threaten your business when someone accuses you of wrongdoing. Whether someone is injured on your property or one of your products causes harm, general liability insurance can help by paying for your legal defense.

    business owners Policy (BOP)

    A BOP includes a few types of coverage that benefit business owners. In fact, you can customize it to your needs, adding the coverage you will need in your particular industry. When you include a BOP in your business insurance, you can rest assured you will not lose income in case of a disaster. This is because the policy usually pays for the repair or replacement of business property when necessary, to name just one type of coverage.

    workers comp Insurance

    Cheap business insurance

    Whether you employ one person or hundreds of people, you need to obtain workers compensation when you get business insurance. This way, if an employee is injured, sick, or killed while working, you will not be personally liable for medical expenses or funeral costs. Your employees and their family will not be liable, either. Instead, your workers comp policy will pay for any necessary expenses.

    professional liability Insurance (E O)

    In any industry, a simple mistake made by employees can cost customers a lot of money, and they might feel compelled to sue your business to recoup their costs. But when you have professional liability insurance, you can feel confident that your employee’s mistake will not cause you to lose money or even your business if you are sued as a result. That’s why you need to include professional liability coverage in your business insurance policy.

    business auto Insurance

    Cheap business insurance

    There are many reasons to use a vehicle for business purposes. Whether you do it often or infrequently, you need business auto insurance. After all, your personal auto insurance policy will not cover any expenses when you cause a car accident while driving for business. If you have several employees who drive for your business, you need a business auto insurance policy that covers all of them.

    Getting Quotes

    Now that you know the types of coverage you need when you get business insurance, you should start obtaining quotes for the policy that best suits your needs. Our team is professional and knowledgeable when it comes to business insurance, so please call today to discuss your options.

    Our highly trained professionals are ready to assist you in getting the best business insurance coverages for your money.





    Business Insurance – Small Business Insurance: Farmers Insurance, cheap business insurance.#Cheap #business

    Business

    Personalized coverage. Personalized service.

    Find your industry

    Farmers Business Insurance

    Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

    • Research business insurance options by coverage type and industry type.
    • Understand the value Farmers agents and claims representatives add to your experience.
    • Get answers to questions that are often asked by small business owners like you.

      Our goal here is simple: To equip you with information so you can choose the coverage you want for your business.

      Browse coverage types

      Business owners have told us they like the customizable policies Farmers offers — and these are the major components in your robust menu of business insurance options.

      Property – Coverage for risks related to your business’s building, property, inventory or income.

      Liability – Coverage for risks ranging from customer injuries to wrongful termination.

      Crime – Coverage against money and securities theft committed by employees or third parties.

      Auto – Coverage for vehicles you own, lease or rent for business use.

      Workers’ Compensation – Assistance for employees if an injury or illness occurs on the job.

      Umbrella – Additional liability coverage that supplements an underlying policy.

      Life – Coverage that can help attract and retain employees, and prepare for business succession.

      Loss Control – Services that help you increase on-the-job safety and efficiency.

      Additional business insurance options to consider

      You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

      Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

      Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

      Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

      Education and Non-Profit – For organizations including museums, schools and civic groups.

      Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

      Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

      Hospitality – For the owners of hotels, motels and bed and breakfasts.

      Manufacturing – For companies that manufacture products of virtually any type.

      Office – For the offices of independent professionals such as doctors, lawyers and consultants.

      Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

      Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

      Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

      Wholesale – For businesses that provide wholesale goods and services to retail industries.

      Why choose Farmers?

      We’ve spent almost 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

      The value of a Farmers agent

      Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

      The ease of a Farmers claim

      You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

      The experience of Farmers insights

      You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

      *Subject to policy terms, conditions, limits, and exclusions

      This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for

      your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.





    Travelers Insurance, Auto Insurance, Car Insurance Quotes, Business, Homeowners, business insurance companies.#Business

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    Business Insurance quotes, Public Liability Insurance, NRMA, business insurance.#Business #insurance

    Business Insurance

    Protect yourself and your business against claims for negligent acts, which cause personal injury and/or property damage to others with Public Liability Insurance.

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    Download our free NRMA app

    NRMA Insurance is a provider of car insurance, motorcycle insurance, home insurance, business insurance, travel insurance, boat insurance, caravan insurance, life insurance, income protection and security in NSW, QLD, ACT TAS. Get your insurance quotes today. For insurance in other states and territories visit SGIO in WA or SGIC in SA. NRMA Insurance is part of the Insurance Australia Group. Business address 388 George St Sydney, NSW (This address is unable to assist with enquiries) for any question or queries please contact us.

    *National Roads and Motorists’ Association Limited ABN 77 000 010 506 (the NRMA) is a separate independent company from NRMA Insurance.

    For more information about our products visit our sitemap. Insurance (except Travel insurance and Income Protection) issued by Insurance Australia Limited ABN 11 000 016 722 trading as NRMA Insurance. When making decisions about our insurance policies you should consider the applicable Product Disclosure Statement.

    The Loyalty Discount replaces our previous discount structure, and applies to new eligible policies which commence on or after 16 March 2014, and renewing eligible policies which commence on or after 28 April 2014. For more details, please refer to the Premium, Excess Discounts Guide.

    Visit our online terms and privacy security statement | Visit Money Smart for financial guidance from ASIC to help you make informed choices.





    How Much Does Business Insurance Cost? Average Price, Trusted Choice, insurance for

    Business Insurance Cost

    Insurance for business

    How to Reduce Your Business Insurance Rates

    If you’re just opening up shop, you are probably wondering what risks you need to cover with insurance. You will need to cover a range of risks and potential incidents, like accidents, injuries, equipment damage, theft and liability claims. Even if you have a well-established corporation, you may be wondering if the coverage you do have is right for your needs and is fairly priced. Is it possible you can get the same or better coverage elsewhere for less?

    An experienced independent insurance agent can help you assess which of the many types of commercial coverage are appropriate for your business, and can look for all available discounts on your behalf. Contact an agent in the Trusted Choice network who specializes in commercial insurance to get a complete assessment of your needs. Independent agents can not only help you compare business insurance plans and prices, but can also help you get all of your business coverage from one office.

    Business Insurance Nearly Every Company Needs

    • General liability insurance
    • Property insurance
    • Commercial auto insurance
    • Workers compensation
    • Directors and officers insurance
    • Data breach coverage
    • Business umbrella policy

    The right coverage for your company will be some combination of coverage types, which may be offered separately, but can sometimes be packaged into a business owner’s policy, also known as a BOP, which typically gives you a cost savings as a bundled plan.

    Your Business Insurance Rates Are Unique to Your Company

    Each type of business coverage in your policy will provide an important and specific type of protection. You may need some or all of the recommended coverage types. You may need other types of coverage too, such as errors and omissions insurance (“E and O”), also known as professional liability insurance. Calculating your specific costs depends upon the blend of coverage you need, and how much.

    For example, if you are a sole proprietor, you typically do not need to buy workers comp, so you do not need to calculate that coverage into your costs. As another example, if you transport equipment and business supplies from one location to another, you will need inland marine insurance. You may also need additional liability coverage if the materials your workers transport is hazardous, or if your employees or contractors drive big rigs that can do millions of dollars-worth of damage in an accident.

    If you sell products, you will most likely need product liability insurance. If you have employees who handle money or have access to funds, you may want special protection against business fraud. Your property insurance alone may cost you a quarter of a million a year if you have big risks – such as a professional sports arena. You may pay $500 per year as a small business owner, or over $500,000 per year as a major corporation.

    Every company is unique. The products and services sold, the size of the company and the risks workers face all contribute to business insurance rates.

    Business Liability Insurance Costs

    While there really are no average business liability insurance costs for both small and large businesses, we can consider some sample scenarios.

    1. A sole proprietor might pay $500 per year for general liability insurance, but a small consulting firm is likely to pay over $3,000 per year.
    2. A sole proprietor who hems garments out of a home office has limited liability concerns, but a landscaper may pay upwards of $15,000 annually due to increased risk.

    Costs will vary considerably depending on the specific risks of the business. Professional liability insurance costs are in that same ballpark. Also called errors and omissions insurance, or E O, this type of business liability insurance covers the “human error” risk when you give advice or offer consultation. While this coverage is typically associated with advisors such as accountants and consulting firms, many different types of small businesses carry this coverage to hedge against the risk of a law suit. Average business insurance costs for E O coverage for small firms is typically in the range of $1,000 to $3,000 annually per million dollars of coverage.

    Looking for the Best Business Insurance Rates

    There are many ways to package policies, get discounts, and reduce your business insurance costs. For example, small business owners can often get a combined policy that provides all the basic coverage a small business needs. Known as a “business owner’s policy” or “BOP” this type of packaged policy can make the cost of business insurance very affordable for small a small enterprise.

    Be sure to work with an agent who is experienced and knowledgeable in commercial coverage when seeking business insurance quotes. If you are like many business owners, you have put your life blood into building your company. Working with an agent can help you make the best decisions and balance both your risk management and cost saving strategies.

    How Independent Insurance Agents are Uniquely Able to Help Business Owners

    Independent agents in the Trusted Choice network who specialize in commercial coverage have a unique capability. They can provide quotes for your company from a wide range of insurance carriers, and can help you with every aspect of your business insurance, from product liability to workers comp to commercial vehicle insurance – all out of one office. This means you don’t need to go to a range of insurance companies to get all of your needs met.

    Independent agents in the Trusted Choice network are based out of 27,000 member agency locations across the US, which means there is a local agent right near your business. It also means you can work with a real person who fully understands your state’s regulations and ensure that you are in compliance.

    Getting Business Insurance Estimates for Your Company

    The right coverage for your risks can help with everything from concerns about property damage to the risk of cyber crime. Start by assessing the hazards involved in running your business. A knowledgeable independent agent can help you assess those risks and can provide several business insurance estimates for the appropriate coverage to protect your company.

    Make sure you have adequate coverage to protect your business investment so you’ll be there to serve your customers tomorrow. Find a Trusted Choice member agent today and get the quotes and personal assistance you need to get the right business coverage for your company at an affordable rate.





    Business Insurance Quotes in Australia – MyBusinessCover, mybusinesscover, small business insurance.#Small #business

    Small Business Insurance

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    Public Liability Insurance

    Public liability insurance protects you and your business against the legal costs of a claim should a customer suffer a loss (as a result of property damage) while you are providing a service.

    Small business insurance

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    Professional Indemnity Insurance

    Professional indemnity insurance protects professionals from legal costs and claims for damages that may arise from an act, omission or breach of duty in the course of your business.

    Copyright 2017 mybusinesscover

    Contact Us: [email protected] Office address: Level 5, 260 Elizabeth Street, Surry Hills, NSW 2010.This site is operated by BizCover Pty Ltd (ABN 68 127 707 975; AR 338440). BizCover is a corporate authorised representative of Mega Capital Pty Ltd (ABN 37 098 080 418; AFSL 238549). Please note that BizCover acts as the agent of the insurer(s) in respect of the insurance products offered on the BizCover website and not as your agent. Any advice in this document is general in nature and does not consider your individual needs. You should always ensure that any insurance you buy is suitable for your circumstances and read the Product Disclosure Statement or policy wording for any insurance policy before buying the insurance. Please refer to the following pages for Privacy Statement , Terms Conditions and Financial Service Guide.

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    Give us a call now and let our market-leading customer support team help you with what you need.





    Business Liability Insurance, Learn State Minimums, Trusted Choice, business liability insurance.#Business #liability

    Business Liability Insurance

    Business liability insurance

    Business owners have enough to worry about besides uncontrollable threats that prevent success. Business liability insurance is one way to help prepare for and protect your business from the biggest risks you face.

    Top Business Risks in 2016

    A recent study done by Allianz concluded that the following three risks are considered by business owners to be among the most significant business risks for 2016:

    Business liability insurance

    Protect Against the Top 3 Risks with Liability Insurance for Your Business

    Liability claims are among the most expensive business insurance claims. Without appropriate liability coverage, one lawsuit or unexpected event can force you to close your doors. Business liability insurance can help you protect your business from the 3 top risks named in the survey.

    In order to protect your business from cyber incidents, PR disasters, and the impact of new technologies, you need:

    • General business liability insurance also known as Commercial general liability insurance (CGL) is the most basic form of business liability insurance.

    General liability insurance definition: A contract that protects a business against claims due to injuries, accidents, and negligence. It can protect your business from costs related to bodily injury, property damage, medical expenses, legal costs, judgments, and personal injury claims such as libel and slander. To protect your business from more specific types of emerging threats, you may need to purchase additional liability policies.

    • Cyber liability insurance is important for any business that uses electronic information. If you are sued because of a data breach or other cybercrime, your business could be responsible for paying legal fees, court-ordered judgments or settlements, and any other court-mandated costs. Your general liability policy may not appropriately cover these costs.

    Cyber liability claims are also extremely costly in terms of fines, public relations costs, and other expenses you must pay on behalf of your affected customers.

    While cyber liability policies continue to evolve because of the ever-changing nature of the threats, most cyber liability insurance policies protect your business assets by covering your legal defense costs, as well as any settlements and judgments that you are ordered to pay. Cyber liability insurance also helps businesses repair their reputations and damage to their brands in these situations by providing coverage for PR and other related expenses.

    • Employment practices liability insurance (EPLI) is another form of liability insurance for your business that is becoming more important as technology changes. EPLI provides protection from claims and lawsuits brought against a business, its officers or directors, or its employees and managers for discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

    In addition, EPLI covers claims related to employee benefits mismanagement. In today’s interconnected society, it’s not hard to imagine a scenario in which new technology makes it possible for an employee’s benefits enrollment or personal health information to be made public inadvertently. EPLI insurance would protect you in such a circumstance.

    Other Kinds of Business Liability Insurance to Consider

    In addition to the risks named in the Allianz study, most businesses face a variety of other threats that could lead to a liability claim. Depending on your type of business, you may need to consider a number of additional business liability policies to protect your assets.

    • Errors and omissions (E O) insurance: Also referred to as professional liability insurance, this policy will protect you from loss or damage arising from poor or misleading advice, or an act of negligence that leads to a client’s financial loss.
    • Liquor liability insurance: Coverage that protects any business that sells or serves alcoholic beverages, including restaurants, nightclubs, and bars, that can be held liable for damages or injuries caused by intoxicated patrons.
    • Product liability insurance: If your product causes any form of injury or damage, product liability insurance will cover compensation and possible legal fees if you are sued.
    • Environmental impairment liability (EIL) insurance: A specialty insurance policy created for companies and contractors who engage in jobs or production that have toxic by-products. EIL insurance will cover many of the costs related to spills, leakage, or contamination, including fines and cleanup costs.
    • Pollution liability insurance: A business insurance policy that covers the costs associated with pollution cleanup, as well as liability claims for pollution-related injuries, illnesses, or deaths.
    • Event liability insurance: Standard personal or commercial liability policies will not cover the varied exposures related to special events. Event liability policies can be tailored to your specific event, from small, one-time events to large, elaborate affairs.

    How to Know if Your Insurance Policy is Right for You

    Business liability insurance—in all of its forms—is essential to the long-term success of your business. Every business liability policy must be tailored to your unique business, or you face having limited or no coverage when you really need it.

    Consulting with an independent agent who represents multiple insurance companies is the best way to ensure that you can find the best basic and specialized commercial liability insurance to address all of the insurable risks inherent in your business. Working with your local independent agent, you will determine the type and amount of coverage you need based on:

    • Business size, type and value
    • Type of work you do
    • Type of risks
    • Level of liability

    Your agent can seek out the best coverage—from multiple insurance companies—to meet your needs and budget.

    How to Find the Right Commercial Liability Insurance Agent

    Your insurance agent is one of your most trusted business advisors—no different from your accountant, lawyer, or banker. Don’t trust your business to just anyone. Choose an independent insurance agent who will be as invested in protecting your business as you are. Whether you need small business liability or corporate liability insurance your agent can help you evaluate specific business risks and the various liability risks your company faces.

    To get help choosing the right business liability coverage, contact an independent agent in the Trusted Choice В® network. These agents represent multiple insurance companies, providing you with a broad range of options to meet your needs. Find an agent in your community today and start addressing your top business risks.





    Business Insurance, biBERK, a Berkshire Hathaway Company, business insurance quotes.#Business #insurance #quotes

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    Our Products

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    • Mandatory for almost all businesses
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    Learn more.

    General Liability Property (BOP)

    • Protects your business property and lost income
    • Offers General Liability (GL) protection if your business is sued
    • Contains other coverages customized for your business
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    “The site was easy to navigate, it took very little time to answer the questions, and I had my quote within a few minutes instead of days.”

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    Business Car Insurance, business insurance quotes.#Business #insurance #quotes

    Business car insurance

    By Les Roberts on Thursday 12 November 2015

    Business insurance quotes

    A standard car insurance policy covers your car for so-called social, domestic and personal use, which includes everyday driving such as visiting friends, the shops or a day out.

    Many policies also automatically cover your car if you commute to and from a regular place of work. So, if you drive the car to the same office every day, or park in the same station car park, you would be insured.

    But what if you drive to several different offices or work sites? Perhaps a colleague regularly takes your car to visit clients. Or maybe you drive hundreds of miles a week for business purposes. If so, you will almost certainly need business car insurance. It is often more expensive than standard motor insurance, but it is important to get the right cover for your needs.

    Higher premiums

    Business car insurance is typically more expensive than standard cover because a motorist who drives a vehicle for business as well as pleasure is deemed more risky. They will usually cover more miles, sometimes in heavy traffic and on unfamiliar roads. The chances of a claim therefore increase.

    Don’t be tempted to lie in an attempt to bring down the cost of insurance. When you apply for business car insurance quotes, the insurer will ask the usual questions about your age, postcode, and the make and model of the car.

    But you will also have to give details about your business and when and why you drive the vehicle for work. If you are dishonest, you are committing an offence and it could invalidate your policy. Your insurance would not then pay out in the event of a claim.

    Different classes of business car insurance

    There are different classes of business car insurance cover, though the details can differ between insurers so you should always check the terms and conditions carefully. For example, if you commute to work in your car, make sure it is covered under the definition of social domestic and pleasure, or you will need to arrange additional cover.

    You will probably need class 1 business use if you drive your car to multiple sites or offices, as well as your usual place of work

    You will probably need class 1 business use if you drive your car to multiple sites or offices, as well as your usual place of work. Most insurers also include a spouse on this type of policy, but would not insure the car for business use for any other named driver.

    The next level of business car insurance generally covers the policyholder and a named driver who uses the car to travel between different sites. Someone who travels extensively in the car for work will almost certainly need class 3 business use.

    Commercial car insurance

    Business car insurance is not the same as commercial car insurance, which is aimed primarily at motorists who use their car for commercial purposes such as a taxi or to make deliveries. Again, it is important to remember that the definitions of the different classes differ between insurers.

    A car used for business is also not the same as a company car. If you drive a company car, it should be insured by the company that owns or leases the vehicle.

    Find cheap business car insurance quotes

    Motorists usually pay more for business car insurance so it is especially important to try to keep costs down. One way to save money is to compare quotes from a number of different insurers – and it’s easy with MoneySuperMarket’s online car insurance comparison service.

    Choosing your vehicle with care can also help you to get a cheap car insurance quote. Insurers place cars in one of 50 groups – and cars in group one tend to be the cheapest to insure.

    Security is another important factor as a secure car is less likely to be stolen. You can often reduce your premium if you fit an approved alarm and immobiliser – and keep your car in a locked garage overnight.

    Insurers reward careful drivers with lower premiums, so try not to claim unless the damage is serious. You can then build up a no claims discount and potentially cut the cost of cover by as much as 75%.

    No one wants to pay over the odds for business car insurance but it is also important to remember that the cheapest policy is not always the best. You might, for example, want to pay a little bit extra for more extensive cover.

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    Business Insurance – Small Business Insurance, Progressive Commercial, business insurance quotes.#Business #insurance

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