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Business Insurance: Most Popular Articles

These articles are the most popular over the last month.
How Does an Agent Differ from a Broker?
What's the difference between an agent and a broker? How does each make money from the premiums you pay? The answers are in this article.
What Is the Difference Between Insurance Agents...
Business insurance agents and business insurance brokers are different. Which professional you use depends on the size of your business operations.
Waivers of Subrogation - What are They?
Many contracts used in business require one party waive its right to sue another. Learn how a waiver of subrogation may affect the coverage provided by your insurance policies.
What Is an Endorsement?
Endorsement - a business insurance definition
Why You May Want to Get Product Liability...
Product liability insurance is business insurance that is designed to cover liability of the business for damages caused by a product manufactured, supplied or designed by the business.
Should You Buy A Claims-made or Occurrence...
Liability policies may apply on either a claims-made or an occurrence basis. Learn how the two types differ.
Does Your Company Need Additional Insured...
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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.
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 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.
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.
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.
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.
Coverage for Intentional Torts
Personal and advertising injury insurance covers certain intentional acts (called intentional torts) like libel and false arrest. Learn what types of acts are covered.
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.
What are Defamation, Libel and Slander?
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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.
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.
Directors and Officers Insurance
Directors and officers insurance is business insurance designed to protect the company and its directors and officers from personal liability claims.
Decoding the Symbols on Your Commercial Auto...
Commercial auto policies utilize a set of numbers that determine the types of autos that are insured for each kind of coverage. Find out what these numbers mean.
What Aspiring Bar Owners Should Know About...
Bars, taverns, inns, or any business that sells alcohol to the public have special insurance needs. Business insurance for a bar requires liability and property insurance. Here we look at business insurance for a bar.
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.
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.
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?
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.
Liqour Liability Insurance
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
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.
What is Personal and Advertising Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
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.
Temporary Workers and Alternate Employer...
An article about the Alternate Employer Endorsement, and how it can protect small business owners from lawsuits arising from injuries to temporary workers.
4 Tips to Help You Create Effective Business...
Business insurance policies cover four basic things: property, liability, people, and income.
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.
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.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
Coverage for Your Products and Completed Work
Claims arising out of products you make or sell or work you have completed are covered by products-completed operations coverage. Here's what you need to know.
Do You Allow "Vaping" at Work?
Do you have a written policy on the use of E-cigarettes in the workplace? If not, you should create one now.
Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
Coverage for Suits by Injured Workers
Employers Liability is covered via Part Two of the standard workers compensation policy. Learn how this coverage protects you against suits by injured workers.
Employment Practices Liability Insurance
Employment Practices Liability Insurance is liability insurance to protect your business from claims by employees against the business for things like wrongful discharge, workplace harassment and discrimination.
What is an Indemnity Agreement?
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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.
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.
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.
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.
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.
Exclusion
Definition of Exclusion. Business Insurance.
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.
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.
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.
What's an Additional Insured?
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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 Does Workers' Compensation Operate in My...
Frequently Asked Questions About Workers' Compensation Insurance
Will a Blast from Yellowstone End Life on Earth?
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El Nino is Coming!
The summer of 2014 will be the hottest on record according to article in The Independent, an online newspaper. A team of scientists in Germany have predicted
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.
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.
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.
When Your Vehicle Has Been "Totaled"
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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.
What Adjusters, Underwriters and Other...
An article for small business owners about the various functions that are performed by insurance company employees such as underwriters, adjusters and auditors.
Who's an Insured Under 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.
Occurrence
Definition of Occurrence. Business Insurance.
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.
Key Man Insurance
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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.
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.
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.
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.
Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
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.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
10 Signs your Agent not be Honest
While most insurance agents are hard-working professionals, there are always a few bad apples. Here are 10 warning signs that your agent may be dishonest.
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
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.
Additional Insured
Definition of Additional Insured
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
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.
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.
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.
Who Needs Errors and Omissions Liability...
An article for small business owners about errors and omissions liability coverage, including the key features of a typical policy.
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!
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.
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 Does Concurrent Causation Mean?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Concurrent causation
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.
Think Before You Share That Article!
An article for small business owners about copyright infringement, and the importance of adhering to copyright laws when sharing content on the Internet.
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.
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.
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.
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.
Retroactive Date
A discussion of the meaning of retroactive date, a feature in a claims-made policy that is the earliest date on which an event may occur and still qualify for coverage under a policy.
Business Insurance - How do I File a Business...
Business insurance is for managing risk. Risk means the chance of something going wrong causing damage to the business or to others. When claims occur, the claims must be reported to the business insurer. Here we look at how to submit a claim to the business insurer.
Introduction to Business Insurance
This is an introduction to business insurance.
Commercial Property Pollution Exclusion
Most commercial property policies contain a pollution exclusion like the one in the ISO policy. Learn what types of losses are typically excluded and which ones are covered.
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.
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.
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 Bodily Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
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.
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.
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 Interruption Insurance
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
The Businessowners Policy - Major Coverage in...
For the small business, the businessowners policy is the most effective and affordable business insurance option.
Things to Think About Before You Buy an...
Issues to consider before buying a commercial umbrella policy, including the limits, coverages, cost, variations and pitfalls.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
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 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 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's Vicarious Liability?
Could you or your company be held liable for an injury caused by someone else's negligence? The answer is yes! Learn about vicarious liability.
Hedge your Bets with Medical Payments Coverage
Medical Payments Coverage is often overlooked but it is a valuable addition to your liability policy. Find out how it can help you avoid lawsuits.
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.
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 are Anti-indemnity Statutes?
Anti-indemnity statutes are state laws that prohibit certain types of agreements found in construction contracts. If you are a contractor, read this article!
Your Property was Swallowed by a Sinkhole! Is...
Sinkholes can occur virtually anywhere and can be natural or man-made. Learn whether sink-hole damage is covered under a typical property policy.
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.
10 Questions Your Agent Should Ask Before...
Here are ten questions your insurance agent or broker should ask you before your current policies expire.
Reinsurance
Definition of Reinsurance. Business Insurance.
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 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.
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.
An Overview of Policy Obligations
An Insurance Policy is a contract and each side has specific obligations.
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
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 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.
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.
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's "Other States" Coverage?
If you have purchased a workers compensation policy be sure it includes Other States coverage. Learn why this coverage is important.
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.
Cold Weather? Watch Out for These 10 Hazards!
Beware of these 10 hazards if you operate a business in a cold climate!
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.
Holiday Fire Safety and Fire Insurance
The best way to reduce business insurance premiums is to reduce risk and follow proven safety methods. Holiday decorations can pose a fire risk and it is important to review Holiday Fire Safety with your company's employees.
Buying a Claims-made Policy? Watch for These...
Shopping for a claims-made policy? Here are some pitfalls to look out for when considering a policy or when comparing one policy with another.
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 Insurers Online
Business insurers offer information online. Insurers offer quotes on your business insurance. The insurers also direct your business to agents, brokers, and insurance professionals in your area. Here I list some of the largest insurers' web sites for business insurance. These are direct links to the business insurance sections of some of the largest U.S. Insurers.
Do You Need Auto Medical Payments Coverage?
An article for small business owners about auto medical payments coverage, which is available as a coverage option under a commercial auto policy.
What is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
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.
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.
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.
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.
What is Property Damage?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Property
Business Insurance - Disability Insurance
Disability insurance is an important addition to you business risk management plan. Disability business insurance can provide protection to the small business person by providing income after a disability. Disability insurance can aid employees by providing a valuable benefit of disability protection.
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.
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.
Agent and Broker Accreditation
Insurance agents and brokers can seek accreditation based on their experience and training.
Before You Choose an Insurance Company
Choosing an Insurance Company for your Business Insurance.
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