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Business Insurance: Most Popular Articles

These articles are the most popular over the last month.
What Is the Difference Between Insurance Agents...
Business insurance agents and business insurance brokers are different. Which professional you use depends on the size of your business operations.
How Does an Agent Differ from a Broker?
What's the difference between an agent and a broker? How does each make money from the premiums you pay? The answers are in this article.
What Is an Endorsement?
Endorsement - a business insurance definition
Waivers of Subrogation - What are They?
Many contracts used in business require one party waive its right to sue another. Learn how a waiver of subrogation may affect the coverage provided by your insurance policies.
Should You Buy A Claims-made or Occurrence...
Liability policies may apply on either a claims-made or an occurrence basis. Learn how the two types differ.
Why You May Want to Get Product Liability...
Product liability insurance is business insurance that is designed to cover liability of the business for damages caused by a product manufactured, supplied or designed by the business.
Is Private Flood Insurance an Option?
If you need flood insurance, your may have an alternative to the government-run flood program. You can read about a new source of private flood insurance in this blog.
Does Your Company Need Additional Insured...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Businesses work
Contractual Liability - What is it?
Business contracts may require you to assume liability on behalf of someone else. Fortunately, your assumption of liability may be covered by your liability policy.
Why You Need Employee Benefits Liability Coverage
Did you know that you could be sued by your workers because of errors you make in administering their benefits? Protect yourself by purchasing employee benefits liability coverage.
The Largest U.S. Business Insurers
The largest business insurers in the United States maintain a dominant web presence. Here is a list of the largest business insurers and associated links. Each website includes valuable information about the company and business insurance.
The 2 Major Types of Business Insurance
Business Insurance for your business may include professional liability or other types of coverage that will be either claims made coverage or occurrence coverage. Understanding the difference is important for your Business Insurance program.
How to Use Section 125 Plans to Save Health...
Section 125 Plans allow an employer to offer benefits to their employees while saving health care premiums, taxes and workers' compensation premiums.
Coverage for Intentional Torts
Personal and advertising injury insurance covers certain intentional acts (called intentional torts) like libel and false arrest. Learn what types of acts are covered.
Should Your Company Use Self-Insurance?
Businesses interested in lowering business insurance premium costs and having more control over their risk management plan may consider self-insurance. Self-insurance is a business insurance strategy where the company maintains a part of the insured risk.
6 Holiday Hazards to Avoid
If you are planning a Christmas party or other holiday event, think about safety! Protect your employees and guests by avoiding these 6 hazards.
Decoding the Symbols on Your Commercial Auto...
Commercial auto policies utilize a set of numbers that determine the types of autos that are insured for each kind of coverage. Find out what these numbers mean.
Letting Employees Use Their Cars for Work Is...
The Employer Non-Owned Car Liability Coverage is business insurance that protects your business when employees operate their own auto as part of their employment.
What Aspiring Bar Owners Should Know About...
Bars, taverns, inns, or any business that sells alcohol to the public have special insurance needs. Business insurance for a bar requires liability and property insurance. Here we look at business insurance for a bar.
What's a Certificate of Liability Insurance?
A certificate of liability insurance is used to verify the existence of liability coverage. This article explains the information it contains and the purpose it serves.
How to Protect Your Business from Advertising...
Business insurance can provide coverage for damages caused by an advertising injury. Here we discuss advertising injury coverage and business insurance coverage for such risk.
What Are the Largest Business Insurance Brokers...
Business insurance brokers can offer more services to the business than the insurance agent. This is a list of the largest insurance brokers in the U.S. and their contact information.
4 Tips to Help You Create Effective Business...
Business insurance policies cover four basic things: property, liability, people, and income.
What is Personal and Advertising Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
Directors and Officers Insurance
Directors and officers insurance is business insurance designed to protect the company and its directors and officers from personal liability claims.
Workers Compensation Insurance - Understanding...
Workers compensation insurance is business insurance that provides coverage for work place injuries to your employees. The policies can be confusing so here we take a look at the policy and what it covers.
How Experience Rating Affects Your Premium
Experience rating is a rating method used in workers compensation insurance. Learn how your firm's previous loss history affects the premium you pay today.
Liqour Liability Insurance
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
Types of Business Insurance
There are many different types of business insurance. This is an overview of the types of insurance described as business insurance.
Does Your Company Need Cyber Liability Coverage?
Cyber liability insurance is growing in importance as a part of your business insurance plan. Cyber liability can protect your business against a number of electronic risks and their related costs.
Have a Business Vehicle? Then You Also Need This
Hired auto coverage is commercial auto coverage that provides coverage to you, or your business, when operating a vehicle you do not own or that is not registered to you.
Exclusion
Definition of Exclusion. Business Insurance.
What are Defamation, Libel and Slander?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: The
The 10 Most Dangerous Jobs
Your Business Insurance premiums are based on the risk involved in your business. Here is a list of the riskiest jobs.
General Liability Policy - What's Covered?
Learn about a general liability policy, which covers lawsuits by individuals who claim they sustained bodily injury or property damage due to your negligence.
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Fred Ferguson
How Does Loss Payable Differ from Lender's Loss...
What is a loss payable clause, and how does it differ from a lender's loss payable clause? This article has the answer.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
Your Workers Compensation Policy
Learn what coverages are afforded under a standard workers compensation policy and the benefits your workers are likely to receive if injured on the job.
Obligations of Your Agent or Broker
Your agent or broker earns a commission each time you buy or renew a policy. In return, he or she owes you certain obligations. Find out what these are.
Employment Practices Liability Insurance
Employment Practices Liability Insurance is liability insurance to protect your business from claims by employees against the business for things like wrongful discharge, workplace harassment and discrimination.
Liability Coverage for Social Hosts
Many businesses sponsor social events in which liquor is served. Learn about host liquor liability coverage, which is designed to cover such events.
Business Release Forms
Business insurers may require the use of a release form or limitation on liability form be used by your business. Do release forms limit liability? Can a release form lower business insurance premiums?
Coverage for Your Products and Completed Work
Claims arising out of products you make or sell or work you have completed are covered by products-completed operations coverage. Here's what you need to know.
Hired Autos - Liability and Physical Damage
Learn how to insure rental cars, called hired autos under a commercial auto policy, for liability and physical damage.
Doing This Could Lower Your Worker's Compensati...
Workers compensation premiums are based on a formula used throughout the industry. Understanding the formula helps you lower your business insurance premiums.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
How to Cover a Vendor as an Additional Insured
A vendor endorsement covers a vendor as an additional insured. It protects the vendor against claims arising from products the vendor did not make.
What the Heck is Subrogation?
What is subrogation and why is it important? Learn what this term means and why it appears in virtually all commercial insurance policies.
Are Business Insurance Premiums Tax Deductible?
Business insurance premiums are tax deductible as business expenses. This article discusses the basic deductions for business insurance premiums.
Protect Your Firm from Suits by Temporary Workers
Learn how the Alternate Employer Endorsement can protect your firm from lawsuits arising from injuries to temporary workers.
Overview of the Liability Insurance Policy
A Liability Insurance Policy covers your business in the event of a law suit alleging your company caused damage or loss by a mistake.
Decyphering Commercial Auto Rates
For many policyholders commercial auto rating is a mystery. Where do the rates come from? This article explains the rating process most insurers use.
What is ISO?
The Insurance Services Office is an insurance research organization that provides various services to insurance companies. To learn more about ISO, read this article.
10 Signs your Agent Might be Dishonest
While most insurance agents are hard-working professionals, there are always a few bad apples. Here are 10 warning signs that your agent may be dishonest.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
Fire Insurance
Fire insurance is a necessary part of a business insurance plan. A fire can destroy the business by causing a loss of revenue and facilities.
Key Man Insurance
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >"Key Man" insurance
Commercial Property Pollution Exclusion
Most commercial property policies contain a pollution exclusion like the one in the ISO policy. Learn what types of losses are typically excluded and which ones are covered.
Business Insurance - What is Valuable Papers...
Valuable papers business insurance coverage is critical insurance coverage to your business. Valuable papers coverage covers the cost of replacing documents used in your business.
Using Online Insurance Quotes to Purchase...
Many insurers offer online insurance quotes for personal insurance products. Business insurance quotes may also be offered online, but is business insurance a proper product to purchase online for your small business? Here we look at how to use insurance quotes to purchase business insurance.
How Does Workers' Compensation Operate in My...
Frequently Asked Questions About Workers' Compensation Insurance
Before You Purchase Commercial Auto Business...
If your business uses a vehicle, you need commercial auto insurance, and you will want to ask your business insurance professional some important questions.
Holiday Fire Safety and Fire Insurance
The best way to reduce business insurance premiums is to reduce risk and follow proven safety methods. Holiday decorations can pose a fire risk and it is important to review Holiday Fire Safety with your company's employees.
5 Benefits of Using an Independent Agent
Why utilize an independent insurance agent when you can buy insurance online? Here are five ways you will benefit by using an agent.
Introduction to Business Insurance
This is an introduction to business insurance.
Coverage for Suits by Injured Workers
Employers Liability is covered via Part Two of the standard workers compensation policy. Learn how this coverage protects you against suits by injured workers.
Before You Choose a Business Insurance...
Business insurance is critical to your business. Choosing a business insurance professional who understands your needs and your business is an important first step in purchasing business insurance.
What's an Additional Insured?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Does your company
Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
How is Your Business Classified?
Rates you pay for workers compensation coverage vary depending on the classifications assigned to your business. Learn the basics of the classification system.
Who's an Insured Under a Commercial Auto Policy?
Do you know who qualifies an an insured under your business auto policy? This article explains in detail what persons and entities are covered.
Building Laws can Drive up Your Reconstruction...
Building ordinances can significantly increase the cost of replacing a building. These increased costs aren't covered unless you have purchased building ordinance coverage.
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
Part Two: Are You Covered if You Accidentally...
This is Part Two of an article on Damage to Premises Rented to You coverage. If your business is a tenant, be sure to read both parts of this article.
Providing Workers Compensation Coverage...
Voluntary Compensation coverage affords benefits to workers who aren't subject to state workers compensation laws. This coverage can help protect you from lawsuits.
GM Commits Reputational Suicide
Ignition switch problems have forced General Motors to recall numerous vehicles. GM's experience shows how a product recall can damage a company's reputation.
Coverage for Your Defense
Many liability policies provide unlimited coverage for defense and related court costs under a section called Supplementary Payments. Learn what costs are typically included.
Business Insurance for a Church
Business Insurance for a church to protect the congregation and the physical location of the church is similar to insurance for a business.
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
Adjusters, Underwriters and Other Insurance...
Insurance companies employ a variety of workers that make important decisions about your insurance coverage. Find out who they are and what they do.
Your Commercial Property Policy
What's covered under a typical commercial property policy? While policies vary, many follow a similar format. Learn what you policy is likely to include.
If Your Landlord Sues you for Fire Damage, are...
Damage to Premises Rented to You is a liability coverage that protects tenants against claims arising from fire damage to rented buildings. If you are a tenant, this article is for you!
Reinsurance
Definition of Reinsurance. Business Insurance.
Occurrence
Definition of Occurrence. Business Insurance.
An Introduction to Lloyd's of London
Lloyd's of London has existed for centuries but many people aren't sure what it does. Read this article to learn what Lloyd's is and how it operates.
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
Insuring Mobile Equipment for Liability
Does your company use mobile equipment like a forklift, backhoe or cherry picker? If so, be sure to read this article.
Why Buy an Extended Reporting Period?
Some claims-made policies provide an extended reporting period, which allows you to report claims after the policy has expired. Learn why this provision is important.
Your Liability Under a Car Rental Agreement
An auto accident involving a rental vehicle can lead to a lawsuit against the rental company, which then demands reimbursement from you. Learn whether your policy will protect you!
Additional Insured
Definition of Additional Insured
What is an Employer Mandate?
Businesses looking to find health insurance for their employees are going to be affected by any health care reform. Business insurance costs can be affected by such reform. Here we look at what an employer mandate means to the business owner.
Your Property was Swallowed by a Sinkhole! Is...
Sinkholes can occur virtually anywhere and can be natural or man-made. Learn whether sink-hole damage is covered under a typical property policy.
What to Consider Before Buying an Umbrella Policy
What should you consider consider before buying a commercial umbrella policy? This article outlines some important features to look for.
What Does Concurrent Causation Mean?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Concurrent causation
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
Business Insurance for the Farm
Business insurance for a farm requires a good deal of forethought in order to purchase the proper insurance for the farm operations.
Do You Need a Cyber Liability Policy?
Many of the risks that arise out of the use of electronic data and the Internet are covered by cyber liability policies. Learn what risks are typically covered.
What is a Retroactive Date?
A retroactive date serves as an exclusion in a claims-made policy. It represents the earliest date on which an event may occur and still qualify for coverage.
What is the National Council on Compensation...
Learn about the NCCI, a national organization that performs important services on behalf of insurers and state insurance bureaus.
Rideshare Risks
This week Uber and Lyft, two ridesharing companies, announced that their insurance policies have been extended to cover drivers who are logged into the
The Businessowners Policy - Major Coverage in...
For the small business, the businessowners policy is the most effective and affordable business insurance option.
What is an Indemnity Agreement?
class="no-js" itemscope itemtype="http://schema.org/Article"
What is an Intentional Tort or a Violation of a...
Workers' Compensation generally excludes a lawsuit against an employer for workplace injuries. However, Violation of a Specific Safety Regulation claims (VSSR) claims and intentional torts still can result in extraordinary liability above insurance.
Business Insurance - How do I File a Business...
Business insurance is for managing risk. Risk means the chance of something going wrong causing damage to the business or to others. When claims occur, the claims must be reported to the business insurer. Here we look at how to submit a claim to the business insurer.
Do You Need Errors and Omissions Coverage?
Any business that performs a service or provides advice to others for a fee may need errors and omissions coverage. This article explains what's covered by a typical policy.
Foreign Voluntary Compensation Insurance
Do your employees travel overseas on business? If the answer if yes, you should consider purchasing foreign voluntary compensation coverage.
Beware the Vacancy Clause!
Beware the vacancy clause found in many property policies! If your building is damaged and your insurer considers it vacant, the damage may not be covered.
Employee Theft Coverage
You probably don't expect your employees to steal from you. Unfortunately, many workers do steal. Learn how you can protect yourself with Employee Theft Coverage.
Bad Practices that Raise Premiums
Business insurance premiums for your business are often the result of the way the business is operated. Bad claims history, poor safety records and poor business practices can greatly increase your business insurance costs.
Business Insurance for the Home Based Business
Home businesses need business insurance to protect the business just like any other business. We discuss the most common types of business insurance needed.
Commercial Auto and Pollution Coverage
The pollution exclusion in a commercial auto policy contains some exceptions. These provide coverage for certain pollution-related claims. This article explains what's covered.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
What is a Cancellation Condition?
Learn about the cancellation condition, a clause found in most insurance policies. It explains the circumstances under which the insurer may cancel the policy.
Business Insurance to Cover the Risk of...
Security in the workplace is vital to the safety of employees. In addition to security and disaster response planning, some insurers offer insurance products to help insure the business for the risk of loss associated with workplace violence.
How To Prepare a Business Insurance Budget
Business insurance is a significant cost of doing business. Planning your small business insurance plan requires budgeting for insurance.
Earthquake Insurance
Damage to your business caused by earthquakes are not covered by your business insurance policy. If your business is in an area prone to earthquakes, then such business insurance coverage should be considered.
Business Insurance for a Lodging Establishment
Businesses that offer travelers a place to stay have special business insurance needs. Here is discussion of the business insurance needs of a lodging business.
What Happens When Your Business is Sued?
Business insurance provides you with a defense and a way to pay claims in case of an injury to a person or property. This article outlines what happens when your company faces a liability claim.
High Deductible Health Plans and a Health...
High Deductible Health Plans and a Health Savings Account can be a good way for newer small businesses to provide coverage to their employees.
What is Property Damage?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Property
Important Tips for Your Business Property...
Your business insurance risk management plan will include property insurance. Here are three tips to make sure your property insurance will cover your business in case of loss.
Business Insurance - Disability Insurance
Disability insurance is an important addition to you business risk management plan. Disability business insurance can provide protection to the small business person by providing income after a disability. Disability insurance can aid employees by providing a valuable benefit of disability protection.
Uninsured and Underinsured Motorist Coverages
While most states require vehicle owners to purchase liability coverage, many drivers are uninsured. Learn how to protect yourself by purchasing uninsured motorist coverage.
Workers' Compensation Discount for Drug-Free...
Business insurance such as workers' compensation insurance is mandated by the state. Premium discounts can be obtained by creating a drug-free workplace.
How do I Find an Insurance Professional who...
Businesses often find it difficult to find an agent or broker familiar with their particular business.
What is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
What is a Contract?
What are the criteria for a business agreement to qualify as a legal contract? Find out by reading this simple explanation.
Business Insurance for the Home Office
Home offices can be protected against risk by proper business insurance coverage. This article discusses what insurance is available for the home office.
Business Interruption Insurance
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
Business Insurance Purchase Checklist
This is a Checklist of Documents and Information You Will Need to Purchase Business Insurance.
El Nino is Coming!
The summer of 2014 will be the hottest on record according to article in The Independent, an online newspaper. A team of scientists in Germany have predicted
Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
Business Insurance - Insuring the Nonprofit
Nonprofits and not-for-profit businesses and agencies work with volunteers and the public. Business insurance for the nonprofit is different from for profit business insurance.
Coinsurance
Definition of coinsurance. Business Insurance.
What is Bodily Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
Covering Your Landlord as an Additional Insured
Be sure to read this article if your lease requires you to cover your landlord under your liability policy as an additional insured!
Does My Business Insurance Cover Employee...
Businesses often face the situation where an employee is accused of a crime or similar act. Business insurance may or may not provide coverage for such an act.
What's "Other States" Coverage?
If you have purchased a workers compensation policy be sure it includes Other States coverage. Learn why this coverage is important.
Insuring Autos Your Company Doesn't Own
Autos your company uses but does not own can generate lawsuits against your firm. Learn how to insure non-owned autos under a commercial auto policy.
What are Endorsements?
What are endorsements and what function do they serve in property and liability policies? The answers are in this article.
Business Insurance - What Happens if My...
American International Group or AIG is the nation's largest business insurer. AIG may fail or declare bankruptcy. This article discusses what happens when an insurer becomes insolvent. It addresses whether your business will lose business insurance.
Worker Injuries - Real or Fake?
A blog for small business owners about workers compensation fraud committed by employees, and how to tell that injuries may be fake.
Family Auto Coverage under a Commercial Policy
If your business if a sole proprietorship, you may want to insure your family members under your commercial auto policy using the endorsement explained in this article.
10 Questions Your Agent Should Ask Before...
Here are ten questions your insurance agent or broker should ask you before your current policies expire.
Business Insurance - Contract Bonds
Contract Bonds, also known as Construction Bonds, are important risk-minimization tools utilized by municipalities and project developers across the country. These bonds are also frequently misunderstood.
Buying a Claims-made Policy? Watch for These...
Shopping for a claims-made policy? Here are some pitfalls to look out for when considering a policy or when comparing one policy with another.
Contingent Business Income Coverage
If your firm depends on another company to provide a product or service that is essential to your operations you may need contingent business income coverage.
Oh No! It's a Non-renewal Notice!
State laws may restrict your insurer's right to non-renew your insurance coverage. Learn how these laws typically apply.
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