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Business Insurance: Most Popular Articles

These articles are the most popular over the last month.
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
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 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.
Does Your Company Need Additional Insured...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Businesses work
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.
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.
Decoding the Symbols on Your Commercial Auto...
Commercial auto policies utilize numbers to designate the types of autos that are insured for each kind of coverage. Find out what these numbers mean.
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.
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 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.
Why You Need Employee Benefits Liability Coverage
Errors in administering employee benefits can lead to lawsuits against your firm. Protect yourself by purchasing employee benefits liability coverage.
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Has your insurer
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 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.
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.
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'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.
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.
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.
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.
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.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
What are Defamation, Libel and Slander?
Defamation, libel, and slander are covered by a general liability policy under Personal and Advertising Injury Liability. Learn what these terms mean.
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.
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!
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 Personal and Advertising Injury?
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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.
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.
What Does the Insurance Services Office (ISO) Do?
The Insurance Services Office (ISO) is a research organization that provides statistical, reporting and other key services to insurers.
Waivers of Subrogation - What are They?
Many contracts used in business contain a waiver of subrogation clause. Learn about waivers and how they impact your insurance coverage.
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.
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.
Weird Things Insured by Lloyd's
Lloyd's of London is known for insuring unusual risks. As explained in this article, such risks have included body parts of various celebrities.
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.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
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.
Who's an Insured Under a Commercial Auto Policy?
Who qualifies an an insured under your business auto policy? This article explains in detail what persons and entities are covered.
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.
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.
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.
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.
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?
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Many commercial
Serving Liquor? Liability Coverage for Social...
Many businesses sponsor social events in which liquor is served. Learn about host liquor liability coverage, which is designed to cover such events.
Working with Your Insurance Company
Business owners who purchase business insurance for their business must, necessarily, work with their insurance company. Here is some advice for working with your business insurer.
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.
What is Bodily Injury?
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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.
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.
Definition of Exclusion. Business Insurance.
How to Cover Your Landlord as an Additional...
Be sure to read this article if your lease requires you to cover your landlord under your liability policy as an additional insured!
Supplementary Payments - Coverage for Your...
Liability policies pay various court costs, including the cost of defending you against a lawsuit, under a coverage called Supplementary Payments.
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.
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.
Building Laws Can Drive up Your Reconstruction...
Building Ordinance coverage protects your company against losses caused by the enforcement of building codes.
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
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.
What are Uninsured and Underinsured Motorist...
Many auto accidents are caused by drivers that have little or no auto liability insurance. Learn about uninsured and underinsured motorist coverages.
Key Man Insurance
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Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
The Meaning of Reinsurance
Reinsurance is essentially insurance purchased by insurance companies. Insurers purchase reinsurance to spread the risk of losses.
What's an Additional Insured?
Businesses are often asked to insure other parties as additional insureds? Learn what this means and what pitfalls to watch out for.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
False Arrest and False Imprisonment Suits - Are...
Claims alleging false arrest or false imprisonment may be covered by your general liability policy. Find out what these terms mean.
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 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.
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.
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.
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.
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 is Insurable Interest?
Insurable interest is a basic principle of property insurance. It distinguishes insurance from gambling and helps protect society against fraud.
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.
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.
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.
The Basics of Umbrella Policies
What should you consider consider before buying a commercial umbrella policy? This article outlines some important features to look for.
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
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.
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.
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.
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.
Foreign Voluntary Compensation Insurance
Do your employees travel overseas on business? If the answer if yes, you should consider purchasing foreign voluntary compensation coverage.
Commercial Auto and Pollution Coverage
A commercial auto policy covers certain types of pollution-related claims. This article explains what's covered.
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.
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.
Avoid These Mistakes When Buying Commercial...
Don't make these mistakes when buying commercial auto insurance for your business.
Commercial Auto Liability - What's Covered?
Commercial auto liability coverage is important if your company uses autos, whether it owns them or not. Find out what types of claims your policy covers.
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.
Can Your Insurer Cancel Your Policy?
Virtually all insurance policies contain a cancellation clause, which outlines the circumstances under which your insurer may cancel your policy.
Introduction to Business Insurance
This is an introduction to business insurance.
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.
What is an Insurance Exclusion?
An exclusion is a policy provision that eliminates coverage for some type of risk. Exclusions can be found in unexpected places. Learn where to look for them.
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.
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 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.
Insured, Named Insured, and Additional Insured:...
What are the differences between an insured, a named insured, and an additional insured? If you don't know the answer be sure to read this article.
Uh Oh, a Leaky Water Pipe!
Many business owners experience property damage caused by water from a leaky pipe. Learn what types of water losses are covered under a typical property policy.
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.
Before You Choose an Insurance Company
Choosing an Insurance Company for your Business Insurance.
What is an Indemnity Agreement?
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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.
25 Largest Property/Casualty Insurance Agencies
Here's a list of the 25 largest property/casualty insurance agencies based on 2014 revenue.
Types of 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.
Damage Caused by Sewer Backups
One of the most unpleasant causes of property damage is sewer backup. Is damage caused by sewage from a backed up pipe covered by your property policy?
Do You Need a Cyber Liability Policy?
A cyber liability policy covers risks associated with the use of electronic data and the Internet. Learn what to look for when shopping for a policy.
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.
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.
Providing Workers Compensation Coverage...
Voluntary Compensation coverage affords benefits to workers not covered by state workers compensation laws. It can help protect you from lawsuits.
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 Office
Home offices can be protected against risk by proper business insurance coverage. This article discusses what insurance is available for the home office.
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.
Definition of Occurrence. Business Insurance.
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 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 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.
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.
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.
Who Needs Electronic Data Processing Coverage?
Does your business rely on computers to perform its daily operations? If so, consider purchasing electronic data processing (EDP) coverage.
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.
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!
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
Stock Versus Mutual Insurer - What's the...
An insurance company may be organized as either a stock company or a mutual company. Learn how the two types differ.
Deciphering the Flood Exclusion
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The vast majority
No-fault Auto Insurance
12 states in the U.S. currently have some type of no-fault automobile liability law. This article explains how they work.
What Does "Additional Insured" Mean?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition An
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.
Foreign Liability Coverage
If your company is based in the U.S. but does some business outside the country, you may need to purchase foreign liability coverage.
How Risky is Your City?
According to a new Lloyd's study, many cities are vulnerable to threats that could cause catastrophic losses. Is your business located in one of them?
Certificates of Insurance and State Laws
Does your company use certificates of insurance? If so, you could be subject to prosecution if you utilize these documents in a manner that violates state law.
Top Ten Stolen Cars
Is your car or truck on the NICB's latest list of the top ten stolen vehicles? Learn about the Hot Wheels report for 2014.
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.
What Does Concurrent Causation Mean?
Concurrent causation and anti-concurrent causation are important concepts in property insurance. This article explains these terms in simple language.
How to Choose the Right Insurer
Shopping for an insurer? Here are six factors to consider when comparing one insurer to another.
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.
Spouse-Employee Health Insurance Deduction
Small business is often family business. A family business can generally deduct or exclude from income the costs of providing health insurance to spouse-employees and family-employees.
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.
Protection Against Extra Expenses
Does your business operate 7 days a week? If the answer is yes, you should consider purchasing extra expense coverage.

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