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Business Insurance: Most Popular Articles

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Agents and Brokers - How They Make Money
How does an insurance agent differ from 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.
What Is an Endorsement?
Endorsement - a business insurance definition
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.
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.
Does Your Company Need Additional Insured...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Businesses work
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.
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.
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.
25 Largest Property/Casualty Insurance Agencies
Here's a list of the 25 largest property/casualty insurance agencies based on 2014 revenue.
How to Use Section 125 Plans to Save Health...
Section 125 Plans allow employers to offer benefits to their employees while saving on health care premiums, taxes and workers' compensation premiums.
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'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.
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.
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.
Covering Personal and Advertising Injury
Personal and advertising injury insurance covers certain intentional acts (called intentional torts) like libel and false arrest. Learn what types of acts are covered.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
Largest Insurance Brokers in the World
What are the largest insurance brokers in the world? Here's a list of the top 14 based on revenue.
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.
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.
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.
Hired Auto Coverage - Liability and Physical...
Learn how to insure rental cars, called hired autos under a commercial auto policy, for liability and physical damage.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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?
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.
What is Personal and Advertising Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
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.
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.
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.
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!
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
What's an Additional Insured?
What are additional insureds? Should they be included in your liability policy? What pitfalls should you watch out for when you are asked to insure other parties?
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.
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.
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.
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.
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.
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.
Liquor Liability Insurance - Do You Need It?
Does your business manufacture, sell, serve, or furnish alcohol to others? If the answer is yes, you need liquor liability insurance.
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!
Do I Have to Buy Workers Compensation Insurance?
Is workers compensation insurance required in your state? The answer is likely yes although the laws vary from state to state.
What Types of Policies Do I Need?
How can you decide what types of policies your firm needs? This decision may be easier to make if think of your business in terms of four basic categories.
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.
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Fred Ferguson
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.
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.
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.
Don't Rely on a Personal Auto Policy to Cover...
Personal auto policies are not designed to cover autos used for business purposes. Learn why a commercial auto policy is a better choice for your business.
Subrogation - What Does It Mean?
What is subrogation and why is it important? Learn what this term means and why it appears in virtually all commercial insurance policies.
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.
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.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
Introduction to Business Insurance
This is an introduction to business insurance.
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.
25 Largest U.S. Property/Casualty Insurers
Here's a list of the top 25 property/casualty insurance groups in the United States. The insurers are ranked according to premiums written in 2014.
Is That Additional Insured Endorsement Primary...
Under many contracts used in business, one party requires another to provide liability insurance that is primary and noncontributory. Find out what these terms mean.
What are Defamation, Libel and Slander?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >What is Defamation?
Are You Covered if You Accidentally Damage...
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.
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.
Is Discrimination Covered Under a General...
Your company has been sued for discrimination! Will the lawsuit be covered by your general liability policy? The answer is in 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.
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 is a Cancellation Condition?
Learn about the cancellation condition found in a typical insurance policy. It outlines the circumstances under which an insurer may cancel a policy.
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.
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
You Have Mold!
Many property policies provide limited coverage for damage to property caused by fungus (mold). Learn what's covered (and excluded) under a typical policy.
Are Business Insurance Premiums Tax Deductible?
Most business insurance premiums are tax deductible as business expenses. Learn what types of premiums you can normally deduct.
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.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
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.
Key Man Insurance
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >"Key Man" 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.
Exclusion
Definition of Exclusion. Business Insurance.
Your Property Insurance Deductibles
Most commercial property policies include at least one deductible. Learn what types of deductibles are most common and how they apply.
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.
Foreign Voluntary Compensation Insurance
Do your employees travel overseas on business? If the answer if yes, you should consider purchasing foreign voluntary compensation coverage.
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 the National Council on Compensation...
Learn about the NCCI, a national organization that performs important services on behalf of insurers and state insurance bureaus.
Insuring Autos Your Company Doesn't Own
Non-owned autos, meaning autos your firm uses but doesn't own, can be a source of lawsuits. Learn how to insure them under a commercial auto policy.
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.
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.
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.
Do You Need a Cyber Liability Policy?
A cyber liability policy covers many of the risks that arise out of the use of electronic data and the Internet. Learn what types of coverage a policy might include.
What is Property Damage?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Property
What is Insurable Interest?
Insurable interest is a basic principle of property insurance. It distinguishes insurance from gambling and helps protect society against fraud.
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.
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.
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.
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
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.
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 is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
What is an Indemnity Agreement?
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6 Mobile Apps for Speedy Insurance Claims
Many insurers offer free claims applications for the iPhone, Blackberry, Palm, and other mobile devices to assist their insureds in recording and documenting claims information. Here is a quick list of some free applications.
Sinkhole Damage - Is it Covered?
Sinkholes can occur virtually anywhere and can be natural or man-made. Learn whether sinkhole damage is covered under a typical property policy.
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.
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.
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.
Occurrence
Definition of Occurrence. Business Insurance.
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.
Business Insurance - How do I Insure...?
Business insurance is made more confusing by the use of industry specific terms. The terms can be confusing. Here we discuss some basics and answer how to insure just about every aspect of your business in lay terms.
Deciphering Your Liability Rates
Have you ever wondered how your general liability premium was derived? This article describes a classification and rating system used by many insurers.
Contractual Liability for Injuires to Your...
Have you assumed liability under a contract for lawsuits by your injured workers against someone else? You may be covered under contractual liability coverage.
Wrongful Eviction Claims - Are You Covered?
Landlords of commercial or residential property can be sued for wrongful eviction. Fortunately, such suits may be covered under Personal and Advertising Injury Liability.
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 Does "Additional Insured" Mean?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition An
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.
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
Before You Choose an Insurance Company
Choosing an Insurance Company for your Business Insurance.
Top 10 insurance Claims
What types of claims are most commonly incurred by small businesses? What kinds of claims are the most costly? The answers are in this article.
Business Insurance for a Flower Shop
Flower shops and florists bring nature to the city and bring beauty to many occasions. Florists also have unique risks to their business that need to be considered. What business insurance should the florist consider?
Do You Need a Liquor Liability Policy?
Liquor liability insurance protects bars, restaurants and other businesses against lawsuits that arise from the sale or service of alcoholic beverages.
What's Business Interruption Coverage?
Business Interruption Insurance protects your business from a loss of income your business sustains during a shutdown caused by a physical loss.
What Does a Surplus Lines Broker Do?
If your agent is unable to obtain insurance on your behalf from a standard insurer he or she will likely contact a surplus lines broker. Learn what these brokers do.
Coverage for Newly Acquired Property
Most commercial property policies provide some coverage for Newly Acquired or Constructed Property. As explained here, this coverage has many limitations.
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.
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.
A Dividend Plan Can Save You Money
A dividend plan can be an effective tool for saving money on workers compensation premiums. This article explains how dividend plans typically work.
What is Bodily Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition of
Structure of an Insurance Policy
Do you know how insurance policies are constructed? This article describe each section and the type of information you are likely to find there.
What is a Hired Auto?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Most
The Meaning of Reinsurance
Reinsurance is essentially insurance purchased by insurance companies. Insurers purchase reinsurance to spread the risk of losses.
Coverage for Loading and Unloading Accidents
Many accidents occur while property is being loaded onto or unloaded from a vehicle. Learn whether these accidents are covered by your commercial auto policy.
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.
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.
Waivers of Subrogation and Your Property...
Many small business owners sign contracts that contain a waiver of subrogation. Learn how such waivers may affect your commercial property insurance.
Insuring Utility Interruptions
Could your business survive an extended outage of a major utility service, such as electricity? Learn how you can protect your business with utility interruption coverage.
No-fault Auto Insurance
Twelve states in the U.S. currently have some type of no-fault automobile liability law. This article explains what no-fault laws are and how they work.
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.
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 are Endorsements?
Insurance endorsements - what are they and what function do they serve in property and liability policies? The answers are in this article.
Insurance Binders - What are They?
A binder serves as a temporary policy. Learn why it is important and what type of information it is likely to contain.
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.
Adjusters, Underwriters and Other Employees of...
Insurance companies employ a variety of workers that make important decisions about your insurance coverage. Find out who they are and what they do.
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.
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.
An Overview of Policy Obligations
An Insurance Policy is a contract and each side has specific obligations.

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