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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.
What Is an Endorsement?
Endorsement - a business insurance definition
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.
Does Your Company Need Additional Insured...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Businesses work
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 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 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.
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.
Workers Compensation Insurance - Understanding...
Workers compensation insurance is business insurance that provides coverage for work place injuries to your employees. The policies can be confusing so here we take a look at the policy and what it covers.
What is Personal and Advertising Injury?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
What are Defamation, Libel and Slander?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: The
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.
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.
4 Tips to Help You Create Effective Business...
Business insurance policies cover four basic things: property, liability, people, and income.
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.
Exclusion
Definition of Exclusion. Business 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.
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.
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.
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.
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 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.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
When Your Vehicle Has Been "Totaled"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Fred Ferguson
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.
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.
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.
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.
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
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.
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.
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?
Key Man Insurance
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >"Key Man" insurance
Overview of the Liability Insurance Policy
A Liability Insurance Policy covers your business in the event of a law suit alleging your company caused damage or loss by a mistake.
General Liability Policy - What's Covered?
Learn about a general liability policy, which covers lawsuits by individuals who claim they sustained bodily injury or property damage due to your negligence.
Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
What's an Additional Insured?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Does your company
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.
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.
The Meaning of "Coverage Territory"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
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.
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.
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.
6 Holiday Hazards to Avoid
If you are planning a Christmas party or other holiday event, think about safety! Protect your employees and guests by avoiding these 6 hazards.
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.
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.
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.
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.
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
How Does Workers' Compensation Operate in My...
Frequently Asked Questions About Workers' Compensation Insurance
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.
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.
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.
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.
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.
What the Heck is Coinsurance?
Many commercial property policies contain a coinsurance clause, which may reduce the amount you receive following a loss. Learn how to ensure that your losses are paid in full.
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.
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 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.
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
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.
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!
What is an Indemnity Agreement?
class="no-js" itemscope itemtype="http://schema.org/Article"
What is Property Damage?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Property
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
Private Company Directors and Officers Coverage
Directors and officers of private companies may be sued by competitors, vendors, regulators and others. Learn the basics of private company Directors and Officers coverage.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Is Private Flood Insurance an Option?
If you need flood insurance, your may have an alternative to the government-run flood program. You can read about a new source of private flood insurance in this blog.
10 Signs your Agent Might be Dishonest
While most insurance agents are hard-working professionals, there are always a few bad apples. Here are 10 warning signs that your agent may be dishonest.
Occurrence
Definition of Occurrence. Business Insurance.
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.
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.
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.
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.
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.
The Businessowners Policy - Major Coverage in...
For the small business, the businessowners policy is the most effective and affordable business insurance option.
Reinsurance
Definition of Reinsurance. 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.
Do You Need Errors and Omissions Coverage?
Any business that performs a service or provides advice to others for a fee may need errors and omissions coverage. This article explains what's covered by a typical policy.
Business Insurance - 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.
What is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
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.
Introduction to Business Insurance
This is an introduction to business insurance.
Additional Insured
Definition of Additional Insured
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
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 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.
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.
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.
Business Interruption Insurance
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
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 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.
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.
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.
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.
GM Commits Reputational Suicide
Ignition switch problems have forced General Motors to recall numerous vehicles. GM's experience shows how a product recall can damage a company's reputation.
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 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.
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.
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.
What is Negligence?
General liability, auto and umbrella policies cover injuries that arise out of accidents caused by your negligence. What is negligence? Here's a short explanation.
What Does Concurrent Causation Mean?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Concurrent causation
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.
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 Contract?
What are the criteria for a business agreement to qualify as a legal contract? Find out by reading this simple explanation.
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.
Beware the Risks of Cyber Attacks
A cyber attack can be devastating for a small business. Learn how a hacking event can hurt you and whether the harm is likely to be covered by your insurance.
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.
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.
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.
What are Endorsements?
What are endorsements and what function do they serve in property and liability policies? The answers are in this article.
How a Waiver of Subrogation May Affect Your...
Many small business owners sign contracts that contain a waiver of subrogation. Learn how such waivers may affect your commercial property insurance.
How to Choose the Right Insurer
Shopping for an insurer? Here are six factors to consider when before you select an insurance company.
Is that Vehicle an Auto or Mobile Equipment?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Commercial auto
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
Could Your Workers be Subject to the Longshore...
Could your employees be subject to the Longshore Act? This law provides benefits that are much more generous than those afforded by state compensation laws.
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.
Coinsurance
Definition of coinsurance. Business Insurance.
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.
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.
Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
The Market of Last Resort
Assigned risk plans are the market of last resort for employers that are unable to obtain workers compensation coverage elsewhere. Learn how these plans work.
A "Klear" Example of Bad Behavior
If you engage in contracts with customers, don't follow the example of this small business owner! He tried to impose a one-sided agreement on a customer.
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.
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.
Covering Your Landlord as an Additional Insured
Be sure to read this article if your lease requires you to cover your landlord under your liability policy as an additional insured!
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?
Business Insurance to Cover the Risk of...
Security in the workplace is vital to the safety of employees. In addition to security and disaster response planning, some insurers offer insurance products to help insure the business for the risk of loss associated with workplace violence.
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