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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.
Top Ten Dumbest Lawsuits
While many lawsuits filed against businesses are legitimate, some can seem downright ridiculous. Here are ten examples of dumb lawsuits.
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
Does Your Company Need Additional Insured...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Businesses work
Contractual Liability - What is it?
Contractual liability is covered under a general liability policy . It covers liability that one party assumes on behalf of another via a contract.
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.
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.
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.
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
Errors in administering employee benefits can lead to lawsuits against your firm. Protect yourself by purchasing employee benefits liability coverage.
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.
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.
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.
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.
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.
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.
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.
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.
What's a Certificate of Liability Insurance?
A certificate of liability insurance is used to verify the existence of liability coverage. Find out what types of information it typically contains.
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.
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.
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.
Should You Buy an Extended Reporting Period?
Many claims-made policies include an extended reporting period, a time period for reporting claims made after the policy has expired.
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.
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.
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Has your insurer
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.
Basics of Workers Compensation Insurance
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
Coverage for Your Products and Completed Work
Claims stemming from products you've sold or work you've completed may be covered by a liability policy under products-completed operations coverage.
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.
Subrogation - What Does It Mean?
What is subrogation and why is it important? Learn what this term means and why a subrogation clause appears in virtually all insurance policies.
What's Covered by a General Liability Policy?
A general liability policy provides basic coverages every business needs. It is a generic policy designed to cover virtually any type of business.
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.
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.
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.
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.
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.
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.
Is That Additional Insured Endorsement Primary...
Many contracts used in business require one party to provide another with liability insurance that is primary and noncontributory.
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.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
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.
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.
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.
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.
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.
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.
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.
An Introduction to Lloyd's of London
Lloyd's of London has existed for centuries but many people aren't sure what it does. This article explains what Lloyd's is and how it operates.
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.
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.
Mold Coverage Under Your Property Policy
Many property policies provide limited coverage for damage caused by fungus (mold). Learn what is and what's not covered by a typical policy.
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Many commercial
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.
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.
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.
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.
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!
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.
Make Sure Your Mobile Equipment is Properly...
Does your company use mobile equipment like a forklift, backhoe or cherry picker? If so, make sure it is properly insured.
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.
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.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
Protection Against Employees Who Steal
You probably don't expect your employees to steal from you, but many workers do steal. Learn how to protect yourself with Employee Theft Coverage.
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.
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.
The Basics of a Commercial Property Policy
Learn how a typical commercial property policy is structured and the coverages it is likely to include.
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.
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.
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 business owners sign contracts that contain a waiver of subrogation. Learn how such waivers may affect your commercial property insurance.
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.
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.
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
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?
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
Building Laws Can Drive up Your Reconstruction...
Building Ordinance coverage protects your company against losses caused by the enforcement of building codes.
Key Man Insurance
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >"Key Man" insurance
Are You Covered if You Accidentally Damage...
You are sued by a hotel for damage you caused to conference room you rented for a meeting. Will the suit be covered by your liability policy?
What is Bodily Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition of
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.
What is Property Damage?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Property damage
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.
What are Hired Autos?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Most commercial
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 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.
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 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.
Occurrence
Definition of Occurrence. 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.
When Injured Workers Can Sue Their Employer
Injured employees are generally barred from suing their employer under the exclusive remedy rule but the rule has some exceptions.
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.
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.
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.
Introduction to Business Insurance
This is an introduction to 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.
Protection Against Extra Expenses
Does your business operate 7 days a week? If the answer is yes, you should consider purchasing extra expense coverage.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
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.
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
An Overview of Policy Obligations
An Insurance Policy is a contract and each side has specific obligations.
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.
The Top Five Reclassified Workers Comp Codes
A report published by the NCCI identifies five class codes that are often used incorrectly to classify employers on workers compensation policies.
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
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.
Outsourcing Employment Services and Worker...
What is a Professional Employer Organization and how does it differ from an employee leasing company? The answer is in this article.
Exclusion
Definition of Exclusion. Business Insurance.
Important Tips for Your Business Property...
Your business insurance risk management plan will include property insurance. Here are three tips to make sure your property insurance will cover your business in case of loss.
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.
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.
Business Income Coverage - How Much Do You Need?
Learn why many business owners have difficulty choosing the proper limit for business income coverage.
Commercial Auto Policy and Contractual Liability
Have you signed a contract that required you to assume someone's else's liability? Find out whether your assumption of liability is covered under your commercial auto policy.
Insuring Tenants Improvements and Betterments
Upgrades a tenant makes to a rented building are called tenants improvements and betterments. Learn how TIBs are covered under a property policy.
What's an Omnibus Clause?
Additional insured endorsements are rarely needed under a commercial auto policy. As this article explains, the reason is the omnibus clause.
Be Careful What You Say in that Online Ad!
The perils of advertising are essentially the same whether you advertise online or through traditional media. Here are some pitfalls to watch out for.
Shopping for an Umbrella? Here's What to Look For
Buying an umbrella policy can be tricky since no two policies are alike. Here are characteristics to look for when shopping for a policy.
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.
Your Liability Under a Car Rental Agreement
Auto rental agreements can make you liable for certain types of suits against the rental firm. Learn what's covered by your commercial auto policy.
What is Stated Amount Coverage?
Physical damage coverage may be provided on a stated amount basis when the value of a vehicle (such as an older truck) is difficult to establish.
Was That a Landslide, Mudslide or Mudflow?
What is a landslide and how does it differ from a mudslide or mudflow? These 3 terms do not mean the same thing and it is important to know how they differ.
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.
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.
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.
25 Largest Property/Casualty Insurance Agencies
Here's a list of the 25 largest property/casualty insurance agencies based on 2014 revenue.
Business Insurance - Liability Claims
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.
What's Not Covered by Auto Liability Coverage
While auto liability insurance covers many types of claims stemming from auto accidents, it does contain exclusions. Find out what kinds of claims are not covered.
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.
How to Choose the Right Insurer
Shopping for an insurer? Here are six factors to consider when comparing one insurer to another.
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.
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.
Beware the Risks of Cyber Attacks
A cyber attack can be devastating for a small business. Learn how a hacker can hurt you and whether your insurance policies are likely to protect you.
Commercial Auto and Pollution Coverage
A commercial auto policy covers certain types of pollution-related claims. This article explains what's covered.
Employee Versus Independent Contractor
Learn how to determine whether a worker qualifies as an employee or an independent contractor for the purposes of workers compensation insurance.
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.
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.
Avoid These Mistakes When Buying Commercial...
Don't make these mistakes when buying commercial auto insurance for your business.
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.
Incidental Medical Malpractice - What Is It?
Incidental medical malpractice insurance covers acts committed by certain medical professionals employed by a business.
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?
What Your Agent Should Do For You
Agents and brokers earn commissions on the premiums your pay for insurance. Find out what services you can reasonably expect them to provide in return.
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 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.
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.
Faulty Work Claims - Are They Covered?
Contractors are often sued based on allegations of faulty work. Find out whether claims based on shoddy work are covered by your liability policy.
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.
Is That Pollution Claim Covered by Your...
If a pollution-related lawsuit is filed against your company, will the suit be covered under your general liability policy? Read this simple explanation of a typical pollution exclusion.

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