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Whether you’re a sole trader, going about your day to day activity without the responsibility of employees, or are a Forbes listed global company with over 1,000 employees, having adequate business insurance is equally important for both. If you are in the process of starting up a new company, the jargon often associated with business insurance can be complicated, and the options seem endless. Let us tell you from experience, having the right insurance policy will mean peace of mind and protection, in the knowledge that you, your property and equipment, and anyone working with you is fully covered and cared for in the event of an accident. Learn about the benefits of business insurance, how to find the right policy, and how to get the best insurance quotes for your business needs.

What Are the Benefits of Business Insurance?

From worders' comp to general liability, it is important to know exactly what kind of business insurance you need.  With all the complicated terminology that surrounds insurance policies, you need to be in the hands of experts who have the right resources when making the decision.  Do you know the difference between Professional liability insurance or product liability insurance? How do you know which one you need? If you are a professional, like an accountant, for example, you are responsible for the information you give in your clients’ tax return.

If you make a mistake, your client can sue you for this. You will want to have professional liability insurance which will cover any eventual claims made against you. However, if you own a restaurant, you will not need this type of insurance, but you will benefit more from product liability insurance where you have coverage in the case of a client becoming sick after eating at your restaurant.   

If you own (or rent) the property you will most certainly want to have general liability insurance which will cover against third-party property damage costs or injuries.

Having the right insurance cover means you are protected from financial damage and you should never underestimate the benefits of having it. Knowing the risks and losses associated with your specific type of agency helps you and your advisor pinpoint the business insurance policy that will have your business’s best interests at heart.  

While it can be tempting to cost-cut while choosing a business insurance policy, budget-conscious business owners should be aware of the financial risks and losses they can run into if they don’t have adequate coverage. The bottom line, having the right business liability insurance will give you protection from financial ruins if your business is ever sued.

What Plans Are Available With Insurance Quotes?

Taking time to research and report what your obligations and risks are with will give you assurance and peace of mind that you are in the hands of experts and that the right cover for your business will be provided.  If you are looking for the best small business insurance or have a larger company with many employees, you will need some of the following plans:

  • General Liability– or business liability insurance – protects you against property damage, personal injury and medical costs associated with an injury.   
  • Commercial Auto Insurance– if you have vehicles that are used for your business then you will need this type of policy.   This will cover accidents, third-party liability for property damage and any personal (body) injuries.
  • Workers' Compensation Insurance– covers the costs of medical expenses and wage benefits to anyone who becomes injured or ill at work.  Each state has individual mandatory obligations and the benefits, therefore, vary according to the state.
  • Business Income interruption– what if something were to happen to cause your business to temporarily cease trading, no income with expenses still to be paid?  With a business income interruption policy, you will be paid and you can, therefore, keep the business ticking over.

3 Easy Steps to Get the Best Business Insurance Quotes

At we are leaders in the field of insurance including business insurance. We can help you find the best small business insurance for the best coverage for a big company. If you need a small business insurance quote or need to reassess the costs of your business insurance cover, our user-friendly website service will guide you to your quote in 3 easy steps.

Step 1:  From the drop menu on our website you need to choose from the “business” option.  Insert your ZIP code and click “request quotes”. From there you will have access to the next page

Step 2:  You will have to insert some basic information to help narrow down the possibilities in the search for the best business insurance policy for you.  Some details as follows are requested at this stage:

  •     Name of your business
  •     Number of employees
  •     Number of years in business      
  •     Experience within the industry (no. of years)
  •     Annual revenue
  •     Description of business – what type of work is carried out. 

Further information is required, like industry division and industry group where you will choose from a selection of options given in a dropdown menu.

Step 3: Once you are satisfied that all the information you have given is correct you simply click on “submit request” and you will have a business insurance quote in no time.  It really is that simple. 

Business Insurance FAQs

Am I legally obligated to buy business insurance?

Legally the only type of business insurance required is employer’s liability, however, many business regulators require businesses to have specific policies in place before they can practice. This is the case of solicitors or accountants where professional liability insurance is required.

What is Workers' Compensation Insurance?

Worker’s compensation insurance will pay for recovery, medical costs and rehabilitation for employees who have suffered work-related injuries. It will also cover lost time if they are unable to work due to these injuries.

Does liability insurance protect small businesses too?

The short answer to this question is “yes” because there are so many types of third-party liabilities that need to be covered – even for small businesses. It will protect you from the risk of claims where there has been a bodily or personal injury. The property of others that is damaged will be covered as well as fire, legal liability and the associated legal fees. Finding the best small business insurance can help.

What is property insurance?

This refers to insurance which has protection for your property and machinery, stock and fixtures and fittings. Sometimes a property insurance policy will also cover breakdown and business income coverage.  Also, Losses in the event of a fire will be covered. 

Don’t hesitate – or leave doubts lingering in your mind.  Give a call today or get onto our user-friendly website for an easy to follow, step by step guide to getting a quote for business insurance quotes– the fast and simple way.  Our highly trained staff will be happy to alleviate any worries and help you find the plan that best suits your business.   

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