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COMPARE INSURANCE QUOTES FOR WORKERS COMPENSATION, GENERAL LIABILITY, BUSINESS PROPERTY, BUSINESS AUTO & MORE...

COMPARE INSURANCE QUOTES FOR BUSINESS AUTO

Commercial Auto Insurance or Business Auto Insurance policies are commercial insurance policies written to cover vehicles used during the course of business. Usually the vehicle is owned by the company purchasing the commercial auto insurance policy.

COMPARE INSURANCE QUOTES FOR WORKERS COMPENSATION

Workers compensation is designed to cover employees for accidents or illnesses that occur while on the job. Many states make it mandatory to have workers compensation coverage if you have even just one employee (be sure to check your specific state as the requirements vary greatly from state to state). Coverage's provided to a worker vary depending on the incident and range from simple doctor bills to total rehabilitation and death benefits.

COMPARE INSURANCE QUOTES FOR GENERAL LIABILITY

Business Liability Coverage applies to:

Premises liability arising out of the ownership, maintenance or use of the premises;
Products liability for goods and products manufactured, sold, or distributed;
Completed operations liability for services provided or work done for others;
Personal injury liability and advertising injury liability of the insured; and
Medical payments coverage.

There two basic coverage forms to choose from.
CG 00 01, is the "occurrence" form. It covers losses where the injury or damage occurs during the covered policy period, regardless of when the insurance company is notified of the loss or claim. The key to this coverage approach is the date of loss or the period of time when the loss occurs.

CG 00 02 is the "claims-made" coverage form. With this form, coverage is triggered by the actual filing date or receipt of the claim, in addition to the date or period of time in which the loss or injury occurs. This form handles any covered loss or claim filed during the policy period, regardless of when the actual loss or injury occurred. This is subject to the retroactive date indicated on the declarations. While the retroactive date can be any date, for complete protection it should be the first date that claims-made coverage was applied to the risk. This is because an occurrence coverage form applies to any loss or damage before that date. Claims-made coverage applies only to covered losses occurring after the retroactive date.

COMPARE INSURANCE QUOTES FOR BUSINESS PROPERTY
Business Property policies can provide coverage for buildings, contents and Tenant Improvements & Betterments. If you lease or rent, you would most likely want Business Personal Property Coverage to insure your equipment, desks, pc's etc. You can get the coverage on a RC (replacement cost, what it costs to replace it, not what it is actually worth at the time of the loss) or on ACV (Actual Cash Value, the value the insured item is worth at the time of loss regardless of what it would cost to replace it).

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The above information is for general informational purposes only and is not to be construed as a recommendation or advice in any way shape or form.