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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 Agents and Brokers Make Money
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.
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.
What Is an Endorsement?
Endorsement - a business insurance definition
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.
Does Your Company Need Additional Insured...
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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.
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.
4 Important Facts About Defamation, Libel and...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: The
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.
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.
Is that Suit Covered under Personal and...
Personal and advertising injury insurance covers certain intentional torts such as libel and false arrest. This article explains these acts and other covered offenses.
What's a Certificate of Liability Insurance?
Do you hire contractors or are you a contractor? If so, be sure to read this article. It explains the basics of certificates of liability insurance.
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.
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.
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.
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.
Decoding the Symbols on Your Commercial Auto...
An article for small business owners about the numbers, called covered auto designation symbols, that appear in the declarations of a commercial auto policy.
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.
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.
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.
Liqour Liability Insurance
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
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.
What's an Additional Insured?
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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.
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.
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.
What is Personal and Advertising Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
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.
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.
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.
What are Anti-indemnity Statutes?
Anti-indemnity statutes are state laws that prohibit certain types of agreements found in construction contracts. If you are a contractor, read this article!
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
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.
Liability Coverage for Social Hosts
Suppose your firm sponsors a social event where liquor is served. If a drunken attendee injures someone else, who then sues your firm, your liability policy may cover the suit.
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?
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.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
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.
What's Covered by Your Workers Compensation...
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.
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.
Products-Completed Operations Coverage
A discussion of products-completed operations coverage and why small businesses need this coverage to protect themselves against claims and suits.
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.
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.
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.
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.
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.
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.
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
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.
Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
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.
4 Tips to Help You Create Effective Business...
Business insurance policies cover four basic things: property, liability, people, and income.
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.
Temporary Workers and Alternate Employer...
An article about the Alternate Employer Endorsement, and how it can protect small business owners from lawsuits arising from injuries to temporary workers.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
Exclusion
Definition of Exclusion. Business Insurance.
Key Man Insurance
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Coverage Territory
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Fred Ferguson
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.
What Adjusters, Underwriters and Other...
An article for small business owners about the various functions that are performed by insurance company employees such as underwriters, adjusters and auditors.
Introduction to Business Insurance
This is an introduction to business insurance.
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.
Extended Reporting Period
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: An
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.
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.
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
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.
Who's Covered Under My Commercial Auto Policy?
Article that describes in detail the persons and entities that are included as insureds under a typical business auto policy
How Does Workers' Compensation Operate in My...
Frequently Asked Questions About Workers' Compensation Insurance
10 Signs your Agent not be Honest
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.
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.
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.
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.
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.
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.
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.
Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
Additional Insured
Definition of Additional Insured
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
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.
Who Needs Errors and Omissions Liability...
An article for small business owners about errors and omissions liability coverage, including the key features of a typical policy.
Business Interruption Insurance
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
Voluntary Compensation Coverage
An article for small business owners about Voluntary Compensation Endorsement, which may be used to cover workers who are not subject to state workers compensation laws.
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 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.
How Are Your Commercial Auto Rates Determined?
An article for small business owners about commercial auto rating, and how liability and physical damage premiums are derived.
What are Supplementary Payments?
An article for small business owners on Supplementary Payments, a coverage that is afforded by a general liability policy and that includes defense and other expenses.
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.
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!
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
Get Answers to These Questions Before Renting...
Here are some questions to ask before you rent an auto. The answers can help you avoid out-of-pocket expenses resulting from an accident with a rental vehicle.
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.
What is an Indemnity Agreement?
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Occurrence
Definition of Occurrence. Business Insurance.
Foreign Workers Compensation Coverage
A discussion of foreign voluntary compensation coverage, which small business owners may need if they employ workers that travel on business outside the United States.
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.
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.
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 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.
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.
What's Covered by a Liquor Liability Policy?
An article for small business owners about the coverage afforded by a liquor liability policy, which is designed for businesses that sell, manufacture, distribute, sell or serve alcoholic beverages.
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.
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.
Reinsurance
Definition of Reinsurance. Business Insurance.
10 Important Questions Your Agent Should Ask...
An article for small business owners listing ten questions their agent should ask them before their insurance policies are renewed each year.
Retroactive Date
A discussion of the meaning of retroactive date, a feature in a claims-made policy that is the earliest date on which an event may occur and still qualify for coverage under a policy.
A "Klear" Example of Bad Behavior
If you engage in contracts with customers, don't follow the example of this small business owner! He tried to impose a one-sided agreement on a customer.
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.
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.
Will a Blast from Yellowstone End Life on Earth?
A blog about thesupervolcano at Yellowstone and the likelihood that the volvano will explode in the near future.
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.
What is Bodily Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
Business Insurance Purchase Checklist
This is a Checklist of Documents and Information You Will Need to Purchase Business Insurance.
Insurance Basics - How is Your Policy Organized?
An article for small business owners about the parts of a typical insurance policy and how policies are usually organized.
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.
Before You Choose an Insurance Company
Choosing an Insurance Company for your Business Insurance.
Covering Family Members Under a Commercial Auto...
An article for small business owners about the Individual Named Insured endorsement that is available to sole proprietors under a commercial auto policy.
Insuring Non-owned Autos
Insuring non-owned autos under a commercial auto policy
Do You Really Want to Share that Article?
Content you share on the Internet can get you in trouble if you infringe on someone else's copyright. Here are common misconceptions about copyrights.
How Much Business Interruption Coverage is...
Business interruption insurance is notoriously difficult to purchase in the correct coverage amount. Under insuring will result in a penalty.
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.
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.
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.
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.
What is Property Damage?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Property
Things to Think About Before You Buy an...
Issues to consider before buying a commercial umbrella policy, including the limits, coverages, cost, variations and pitfalls.
What is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
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.
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.
Liability Limits - How They Apply
A general liability policy contains both individual limits and aggregate limits. Learn how these apply when claims are filed against you.
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.
Good News About Hurricanes
Good news! Weather experts are expecting a milder hurricane season in 2014 than normal. Find out why.
Saving Business Insurance Premiums With...
Lowering your business insurance premiums requires lowering your business risk. Theft and fraud risk can be lowered with a security and surveillance system.
What's "Other States" Coverage?
If you are insured under s standard workers compensation policy, be sure it includes Other States coverage. The latter ensures your workers will be covered if you begin work in a new state.
Computer Fraud Coverage
An article for small business owners about computer fraud coverage, a type of commercial crime insurance that covers loss or damage to money, securities or other property when the loss has been perpetrated by the use of a computer.
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 is Fleet Telematics?
Fleet telematics involves the collection of data via GPS technology, computers and telecommunications. Learn how this technology can save you money.
Do You Need Extra Expense Coverage?
An article for small business owners that explains the purpose and benefits of extra expense coverage.
Omnibus Clause
A discussion of the omnibus clause found under the liability section of the standard commercial auto policy.
Are Those Gadgets Covered under Your Commercial...
An article for small business owners about the types of electronic equipment that are covered under the physical damage section of a commercial auto policy.
Assumed Liability for Employee Injuries - Are...
Have you assumed liability under a contract for lawsuits by your injured workers against someone else? You may be covered under contractual liability coverage.
What is a Hired Auto?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Most
Concurrent Causation and Anti-concurrent...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Concurrent causation
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!
Do You Allow "Vaping" at Work?
Do you have a written policy on the use of E-cigarettes in the workplace? If not, you should create one now.
Is Private Flood Insurance an Option?
A blog for small business owners about the development of a priavte insurance market for flood insurance.
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