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Business Insurance: Most Popular Articles

These articles are the most popular over the last month.
How Agents and Brokers 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.
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
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 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.
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.
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.
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.
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.
Certificates of Liability Insurance
An article on certificates of liability insurance, including their purpose, the information they contain, and problems they can create for small business owners.
Is that Suit Covered under Personal and...
Personal and advertising injury insurance covers certain intentional torts such as libel and false arrest. This article explains these acts and other covered offenses.
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.
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.
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.
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.
What are the Obligations of Your Insurance...
An article for small business owners regarding the regulation, licensing, and obligations of insurance agents and brokers.
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...
An article for small business owners about the numbers, called covered auto designation symbols, that appear in the declarations of a commercial auto policy.
Liqour Liability Insurance
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
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.
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.
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.
An Introduction to Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
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.
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.
4 Tips to Help You Create Effective Business...
Business insurance policies cover four basic things: property, liability, people, and income.
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.
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.
Products-Completed Operations Coverage
A discussion of products-completed operations coverage and why small businesses need this coverage to protect themselves against claims and suits.
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.
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.
Do I Need Commercial Auto Coverage?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
Additional Insured
Definition of Additional Insured
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.
Key Man Insurance
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >"Key Man" insurance
Exclusion
Definition of Exclusion. Business Insurance.
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.
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 are Uninsured and Underinsured Motorist...
An overview of the coverage afforded by uninsured and underinsured motorist endorsements, and what small business owners should consider before purchasing these coverages.
4 Important Facts About Defamation, Libel and...
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: The
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's an Additional Insured?
Learn about additional insured endorsements, including their purpose, whom they typically cover and what restrictions they are likely to contain.
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
An Overview of Casualty Coverage
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
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.
The Top Ten Riskiest Jobs
Your Business Insurance premiums are based on the risk involved in your business. Here is a list of the riskiest jobs.
Liability Coverage for Social Hosts
Suppose your firm sponsors a social event where liquor is served. If a drunken attendee injures someone else, who then sues your firm, your liability policy may cover the suit.
Personal and Advertising Injury
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Personal and advertising
Introduction to Property Insurance
Property Insurance is insurance that insures your location and contents.
When is Your Vehicle a Total Loss?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Fred Ferguson
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.
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.
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.
How Are Your Commercial Auto Rates Determined?
An article for small business owners about commercial auto rating, and how liability and physical damage premiums are derived.
10 Signs of a Dishonest Agent
For small business owners, a list of ten signs that an insurance agent or broker may be dishonest.
Who's Covered Under My Commercial Auto Policy?
Article that describes in detail the persons and entities that are included as insureds under a typical business auto policy
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.
Discontinued Operations and Products Coverage
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
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.
How Does Workers' Compensation Operate in My...
Frequently Asked Questions About Workers' Compensation Insurance
Coverage Territory
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: Many
The Businessowners Policy - Major Coverage in...
For the small business, the businessowners policy is the most effective and affordable business insurance option.
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!
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.
What is the National Council on Compensation...
A discussion of the functions performed by the NCCI, a national insurance organization that provides rating, statistical and other services to state insurance bureaus.
Who's an "Insured" Under My Liability Policy?
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the most
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.
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.
Auto Liability and Assumptions of Tort Liability
Have you signed a contract that required you to assume someone's else's tort liability? Your assumption of liability may be covered under your commercial auto policy.
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.
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.
Mobile Equipment:- How do You Insure it for...
Properly insuring mobile equipment for liability under a commercial liability and/or a commercial auto policy.
Rideshare Risks
This week Uber and Lyft, two ridesharing companies, announced that their insurance policies have been extended to cover drivers who are logged into the
What are Supplementary Payments?
An article for small business owners on Supplementary Payments, a coverage that is afforded by a general liability policy and that includes defense and other expenses.
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.
Protection Against Employees Who Steal
An article for small business owners about employee theft coverage, which is typically included as part of a commercial crime policy.
What's Covered by Your Workers Compensation...
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.
Foreign Workers Compensation Coverage
A discussion of foreign voluntary compensation coverage, which small business owners may need if they employ workers that travel on business outside the United States.
Worker Injuries - Real or Fake?
A blog for small business owners about workers compensation fraud committed by employees, and how to tell that injuries may be fake.
Buying Business Insurance for Your Specific...
Many insurers create specific programs dedicated to your specific business and this can be an excellent way of purchasing business insurance tailored to your 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.
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.
Occurrence
Definition of Occurrence. Business Insurance.
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.
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.
Slippery Slopes
A blog for small business owners about landslides, including the Oso landslide, and the factors that make them more likely to occur.
Will a Blast from Yellowstone End Life on Earth?
A blog about thesupervolcano at Yellowstone and the likelihood that the volvano will explode in the near future.
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.
Reinsurance
Definition of Reinsurance. Business Insurance.
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.
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.
What's Covered by a Liquor Liability Policy?
An article for small business owners about the coverage afforded by a liquor liability policy, which is designed for businesses that sell, manufacture, distribute, sell or serve alcoholic beverages.
Extended Reporting Period
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Definition: An
Business Interruption Insurance
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
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.
Commercial Auto Insurance Websites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
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.
How To Lower Your Business Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
Is Private Flood Insurance an Option?
A blog for small business owners about the development of a priavte insurance market for flood insurance.
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.
What's "Other States" Coverage?
If you are insured under s standard workers compensation policy, be sure it includes Other States coverage. The latter ensures your workers will be covered if you begin work in a new state.
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 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.
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!
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.
Oh No! It's a Non-renewal Notice!
State laws may restrict your insurer's right to non-renew your insurance coverage. Learn how these laws typically apply.
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.
What's Covered Under A Cyber Liability Policy?
An article for small business owners about the coverages that are provided by a cyber liability 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.
What is Lloyd's of London?
An article for small business owners that provides a brief introduction to Lloyd's of London, explaining what it is and how it operates.
The Five Ratings Companies
There are five main companies that provide ratings for insurers.
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.
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.
Good News About Hurricanes
Good news! Weather experts are expecting a milder hurricane season in 2014 than normal. Find out why.
An Example of Business Interruption Coverage...
Business interruption coverage can be explained by and example.
10 Important Questions Your Agent Should Ask...
An article for small business owners listing ten questions their agent should ask them before their insurance policies are renewed each year.
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.
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.
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.
What is an "Insured Contract?"
class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The term insured
Before You Choose an Insurance Company
Choosing an Insurance Company for your 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.
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.
Liability Coverage and the Duty to Defend
An article for small business owners about the insurer's duty to defend under the standard general liability policy.
Bodily Injury
The meaning of bodily injury, as this term is used in commercial liability policies.
Pollution--What's Covered under a Commercial...
An article for small business owners that explains what types of pollution losses are covered, and which are excluded, under a typical commercial property policy.
Voluntary Compensation Coverage
An article for small business owners about Voluntary Compensation Endorsement, which may be used to cover workers who are not subject to state workers compensation laws.
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.
Suits Between Named Insureds
What does Separation of Insureds mean? This article explains this concept and why it is important in the event one named insured sues another.
Do You Really Want to Share that Article?
Content you share on the Internet can get you in trouble if you infringe on someone else's copyright. Here are common misconceptions about copyrights.
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.
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.
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.
Insuring Non-owned Autos
Insuring non-owned autos under a commercial auto policy
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!
Insurance Basics - How is Your Policy Organized?
An article for small business owners about the parts of a typical insurance policy and how policies are usually organized.
Covering Family Members Under a Commercial Auto...
An article for small business owners about the Individual Named Insured endorsement that is available to sole proprietors under a commercial auto policy.
Coinsurance
Definition of coinsurance. Business Insurance.
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.
Pollution! What's Covered Under Your Liability...
An article for small business owners that explains the coverage afforded by the exceptions to the pollution exclusion found in a typical general liability policy.
Cancellation Condition
A discussion of a condition found in virtually all business insurance policies that specifies the circumstances under which the insurer may cancel the policy and the number of days notice it must provide to the insured.
Business Insurance Purchase Checklist
This is a Checklist of Documents and Information You Will Need to Purchase Business Insurance.
Why Your Business Needs Business Insurance
Business insurance is critical to control risk. There are many common myths about business liability and the need for business insurance. Here we examine those myths about business insurance.
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