1. Assess Your Risks. Insurance companies determine the level of risk they'll accept when issuing policies. This process is called underwriting. The insurance company reviews your application and determines whether it will provide all or a portion of the coverage being requested. Each underwritten policy carries a premium and a deductible. A premium is the price you pay for insurance. Premiums vary widely among insurance companies, and depend on a number of risk factors, including your business location, building type, local fire protection services, and the amount of insurance you purchase. A deductible is the amount of money you agree to pay when making a claim. Generally, the higher deductible you agree to pay, the lower your premium will be. However, when you agree to take on a high deductible you are taking on some financial risk. So, it's important to assess your own risks before you go shopping.

2. Shop Around. The National Federation of Independent Businesses provides information for choosing insurance to help you assess your risks and to make sure you've insured every aspect of your business. The extent and costs of coverage vary from company to company. Some brokers specialize in insuring specific types of business, while others can connect you with policies specific to your business activities. For example, if you operate a tow truck service, you'll want to find an agent that can help find policies that specifically cover automotive service businesses. Often specialist brokers can get you the best coverage and the best rates.

Business Insurance

•A local insurance Agent to help you figure out your needs, understand your policies and answer your questions.
•A risk control specialist, who can help you to make your workplace safe for employees
•Professional claims adjusters who will promptly respond to your loss. Learn more about our claims service.
Protect your business from damages for bodily injury and property damage
protects the vehicle(s) and its usage, such as delivery, by your employees
protection provides for damages or physical loss of your property investment
Business Insurance - General Liability/Property/Commercial Auto/Worker's Comp.

General Liability

Commercial Auto


Worker’s Compensation

pays the medical bills, lost wages and certain other benefits for injured employees as a required by state law for accidents or occupational disease arising out of or in conjunction with the worker’s employment.

Employment Practices Liability (EPLI)

provides liability insurance from employees and their treatment in the workplace, such as sexual harassment.

Builder’s Risk

insures against damage to buildings under construction, included materials needed for construction.
Tips for Buying Business Insurance
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