1. Money
Send to a Friend via Email

Your suggestion is on its way!

An email with a link to:

http://businessinsure.about.com/popular.htm

was emailed to:

Thanks for sharing About.com with others!

Business Insurance: Most Popular Articles

These articles are the most popular over the last month.
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 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.
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
Does Your Company Need Additional Insured...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Businesses work
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.
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.
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.
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.
4 Important Facts About Defamation, Libel and...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: The
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 Contingent Business Income Coverage?
An article for small business owners about contingent business income, also called contingent business interruption, coverage under a commercial property policy.
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.
What is Personal and Advertising Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
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 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.
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.
4 Tips to Help You Create Effective Business...
Business insurance policies cover four basic things: property, liability, people, and income.
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.
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?
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.
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.
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.
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
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.
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.
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.
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.
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.
Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
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.
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.
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.
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.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
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.
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Fred Ferguson
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.
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.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
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.
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.
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.
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.
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.
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.
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
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.
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
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 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.
Exclusion
Definition of Exclusion. Business Insurance.
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.
Key Man Insurance
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >"Key Man" insurance
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.
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.
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.
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!
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
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
Additional Insured
Definition of Additional Insured
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.
How Does Workers' Compensation Operate in My...
Frequently Asked Questions About Workers' Compensation Insurance
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.
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
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.
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.
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.
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.
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
Occurrence
Definition of Occurrence. Business Insurance.
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.
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.
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.
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.
Business Interruption Insurance
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
What's an Additional Insured?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Does your company
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.
Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
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.
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.
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 Purchase Checklist
This is a Checklist of Documents and Information You Will Need to Purchase Business Insurance.
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.
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.
Introduction to Business Insurance
This is an introduction to business insurance.
Foreign Voluntary Compensation Insurance
Do your employees travel overseas on business? If the answer if yes, you should consider purchasing foreign voluntary compensation coverage.
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!
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.
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.
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.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
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.
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.
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.
Beware This Car Accident Scam
Staged auto accidents are a big business for criminals. Don't be a victim! Learn how to recognize common scams and what you can do to protect yourself.
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 the National Council on Compensation...
Learn about the NCCI, a national organization that performs important services on behalf of insurers and state insurance bureaus.
Reinsurance
Definition of Reinsurance. Business Insurance.
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.
What Does Concurrent Causation Mean?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Concurrent causation
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.
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.
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.
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.
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 - 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.
Business Insurance Agents Versus Online...
Business insurance can be purchased online. So, why hire an insurance professional? We look at the benefits of purchasing insurance and getting online quotes versus hiring an insurance agent or broker.
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.
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.
Why You Might Need an Excess Policy
An excess policy provides a secondary layer of coverage when your basic (primary) policy is used up. Learn about the types of excess policies that are available.
Slippery Slopes
A blog for small business owners about landslides, including the Oso landslide, and the factors that make them more likely to occur.
Self-insurance Options for Small Businesses
Risk retention, also called self-insurance, can be an effective tool for lowering your insurance costs. Find out what options are available to small businesses.
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.
The Businessowners Policy - Major Coverage in...
For the small business, the businessowners policy is the most effective and affordable business insurance option.
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.
Before You Choose an Insurance Company
Choosing an Insurance Company for your Business Insurance.
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.
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.
Cancellation Condition
A discussion of a condition found in virtually all business insurance policies that specifies the circumstances under which the insurer may cancel the policy and the number of days notice it must provide to the insured.
Beware the Risks of Cyber Attacks
A cyber attack can be devastating for a small business. Learn how a hacking event can hurt you and whether the harm is likely to be covered by your insurance.
What are Endorsements?
What are endorsements and what function do they serve in property and liability policies? The answers are in this article.
What is Bodily Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
Protection Against Extra Expenses
Does your business operate 7 days a week? If the answer is yes, you should consider purchasing extra expense coverage.
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.
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.
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.
Residents of No-fault States Pay More for Auto...
Which ten cities in the U.S. have the highest auto insurance rates? Which ten cities have the lowest rates? To find the answer, a financial website called
Insurable Interest
Insurable interest is an important concept in property insurance and it separates insurance from gambling, and ensures that insurance is not purchased for the purposes of committing fraud.
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 Owner's Policy
Definition of a Business Owner's Policy
What is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
Cold Weather? Watch Out for These 10 Hazards!
Beware of these 10 hazards if you operate a business in a cold climate!
10 Questions Your Agent Should Ask Before...
Here are ten questions your insurance agent or broker should ask you before your current policies expire.
What is an Indemnity Agreement?
class="no-js" itemscope itemtype="http://schema.org/Article"
You can opt-out at any time. Please refer to our privacy policy for contact information.

©2014 About.com. All rights reserved.