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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.
Agents and Brokers - How They 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.
How Obesity Drives Up Your Workers Compensation...
Obese workers are more likely than non-obese workers to sustain disabling injuries that are costly to treat. This drives up the cost of workers compensation insurance.
What Is an Endorsement?
Endorsement - a business insurance definition
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.
Does Your Company Need Additional Insured...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Businesses work
Should You Buy A Claims-made or Occurrence...
Liability policies may apply on either a claims-made or an occurrence basis. Learn how the two types differ.
Why You May Want to Get Product Liability...
Product liability insurance is business insurance that is designed to cover liability of the business for damages caused by a product manufactured, supplied or designed by the business.
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.
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.
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'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.
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.
Uh Oh, Your Vehicle is a Clone!
Cloning is a type of identity theft, but the identity that is stolen belongs to a vehicle rather than a person. Learn how to avoid this type of scam.
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.
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.
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.
Personal and Advertising Injury - Coverage for...
Personal and advertising injury insurance covers certain intentional acts (called intentional torts) like libel and false arrest. Learn what types of acts are covered.
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.
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.
4 Tips to Help You Create Effective Business...
Business insurance policies cover four basic things: property, liability, people, and income.
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.
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.
What is Personal and Advertising Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
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.
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.
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.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
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.
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.
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.
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.
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.
Liqour Liability Insurance
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
Why Auto Thefts Have Dropped 58%
In 2013 auto thefts in the U.S. were 58% lower than they were in 1991. Learn what factors have led to this dramatic drop in stolen vehicles.
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.
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.
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.
What are Defamation, Libel and Slander?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: The
What's an Additional Insured?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Does your company
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.
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.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
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.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
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.
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.
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.
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 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?
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.
Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
Exclusion
Definition of Exclusion. Business Insurance.
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Fred Ferguson
Who's an Insured Under a Commercial Auto Policy?
Do you know who qualifies an an insured under your business auto policy? This article explains in detail what persons and entities are covered.
Building Laws Can Drive up Your Reconstruction...
Building ordinances can significantly increase the cost of replacing a building. These increased costs aren't covered unless you have purchased building ordinance coverage.
What is an Indemnity Agreement?
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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 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.
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.
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.
How Does Workers' Compensation Operate in My...
Frequently Asked Questions About Workers' Compensation Insurance
10 Questions Your Agent Should Ask Before...
Here are ten questions your insurance agent or broker should ask you before your current policies expire.
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
Key Man Insurance
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >"Key Man" insurance
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.
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.
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.
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.
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.
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.
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.
Coverage for Your Defense
Many liability policies provide unlimited coverage for defense and related court costs under a section called Supplementary Payments. Learn what costs are typically included.
Business Insurance for a Church
Business Insurance for a church to protect the congregation and the physical location of the church is similar to insurance for a business.
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!
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.
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.
Occurrence
Definition of Occurrence. Business Insurance.
An Introduction to Lloyd's of London
Lloyd's of London has existed for centuries but many people aren't sure what it does. Read this article to learn what Lloyd's is and how it operates.
What's Rental Reimbursement Coverage?
Learn how Transportation Expense and Rental Reimbursement coverages differ. One of these is automatically included in a commercial auto policy.
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.
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.
Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
Reinsurance
Definition of Reinsurance. Business Insurance.
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
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.
Introduction to Business Insurance
This is an introduction to business insurance.
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.
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.
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
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.
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 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.
Business Interruption Insurance
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
Business Insurance 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.
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 is a Non-admitted Insurer?
Small businesses whose operations are risky or unusual may need to seek coverage from a non-admitted insurer using a surplus lines 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.
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.
Agent and Broker Accreditation
Insurance agents and brokers can seek accreditation based on their experience and training.
Using Online Insurance Quotes to Purchase...
Many insurers offer online insurance quotes for personal insurance products. Business insurance quotes may also be offered online, but is business insurance a proper product to purchase online for your small business? Here we look at how to use insurance quotes to purchase business insurance.
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
An Overview of Policy Obligations
An Insurance Policy is a contract and each side has specific obligations.
Business Insurance for a Lodging Establishment
Businesses that offer travelers a place to stay have special business insurance needs. Here is discussion of the business insurance needs of a lodging business.
What Does the Federal Terrorism Act Do?
A federal law ensures that terrorism coverage is available under certain types of commercial insurance policies. Find out why this law is important.
Your Liability Under a Car Rental Agreement
An auto accident involving a rental vehicle can lead to a lawsuit against the rental company, which then demands reimbursement from you. Learn whether your policy will protect you!
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.
Additional Insured
Definition of Additional Insured
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.
Auto Medical Payments Coverage
Auto medical payments insurance covers medical expenses incurred by you or your passengers due to injuries sustained in an auto accident, regardless of fault.
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
Interpreting Business Insurance Policies
Business insurance policy disputes between insurers and insureds often end with a court interpreting the policy. We look at how courts interpret business insurance policies.
What is a Hired Auto?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Most
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.
Do You Need a Cyber Liability Policy?
Many of the risks that arise out of the use of electronic data and the Internet are covered by cyber liability policies. Learn what risks are typically covered.
What is a Cancellation Condition?
Learn about the cancellation condition, a clause found in most insurance policies. It explains the circumstances under which the insurer may cancel the policy.
What is a Retroactive Date?
A retroactive date serves as an exclusion in a claims-made policy. It represents the earliest date on which an event may occur and still qualify for coverage.
Can Diminution in Value Limit Your Loss Payment?
An article about the diminution in value exclusion in commercial auto policies and its affect on small businesses that own or rent autos.
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.
The Businessowners Policy - Major Coverage in...
For the small business, the businessowners policy is the most effective and affordable business insurance option.
How do I Find an Insurance Professional who...
Businesses often find it difficult to find an agent or broker familiar with their particular business.
Important Tips for Your Business Property...
Your business insurance risk management plan will include property insurance. Here are three tips to make sure your property insurance will cover your business in case of loss.
Business Insurance - 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.
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.
Adjusters, Underwriters and Other Insurance...
Insurance companies employ a variety of workers that make important decisions about your insurance coverage. Find out who they are and what they do.
What is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
What is 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.
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 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.
High Deductible Health Plans and a Health...
High Deductible Health Plans and a Health Savings Account can be a good way for newer small businesses to provide coverage to their employees.
What's an Omnibus Clause?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: The
Before You Choose an Insurance Company
Choosing an Insurance Company for your Business Insurance.
Commercial Auto and Pollution Coverage
The pollution exclusion in a commercial auto policy contains some exceptions. These provide coverage for certain pollution-related claims. This article explains what's covered.
Do You Need a Liqour Liability Policy?
A liquor liability policy protects bars, restaurants and other businesses against lawsuits that arise from the sale or service of alcoholic beverages.
Business Insurance - What to do When you Cannot...
Business insurance can be difficult to obtain for a new business or new product. Here are some tips on what to do when you cannot find 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.
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 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.
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.
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.
Coinsurance
Definition of coinsurance. Business Insurance.
What is Property Damage?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Property
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.
How to Avoid Slip and Fall Claims!
Learn how to prevent on-site slips and falls, which are a major cause of claims filed against small businesses by employees and customers!
Foreign Voluntary Compensation Insurance
Do your employees travel overseas on business? If the answer if yes, you should consider purchasing foreign voluntary compensation coverage.
Is that Vehicle an Auto or Mobile Equipment?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Commercial auto
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