Business Insurance: Most Popular Articles
These articles are the most popular over the last month.
Using Section 125 Plans
Section 125 Plans allow an employer to offer benefits to their employees while saving health care premiums, taxes and workers' compensation premiums.
Section 125 Plans allow an employer to offer benefits to their employees while saving health care premiums, taxes and workers' compensation 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.
There are many different types of business insurance. This is an overview of the types of insurance described as business insurance.
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.
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.
Endorsement
Endorsement - a business insurance definition
Endorsement - a business insurance definition
Agent v. Broker
Business insurance agents and business insurance brokers are different. Which professional you use depends on the size of your business operations.
Business insurance agents and business insurance brokers are different. Which professional you use depends on the size of your business operations.
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.
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.
Premium Deductions
Business insurance premiums are tax deductible as business expenses. This article discusses the basic deductions for business insurance premiums.
Business insurance premiums are tax deductible as business expenses. This article discusses the basic deductions for business insurance premiums.
Policy Types
There are many different types of business insurance. This is an overview of the types of insurance described as business insurance.
There are many different types of business insurance. This is an overview of the types of insurance described as business insurance.
Liability Insurance
A Liability Insurance Policy covers your business in the event of a law suit alleging your company caused damage or loss by a mistake.
A Liability Insurance Policy covers your business in the event of a law suit alleging your company caused damage or loss by a mistake.
Reinsurance Definition
Definition of Reinsurance
Definition of Reinsurance
Liquor Liability
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
A Business Insurance Plan should include a Liquor Liability Policy if you supply, manufacture, or serve alcohol to your customers.
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.
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.
Claims made or occurrence
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.
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.
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?
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?
Additional Insured Def.
Definition of Additional Insured
Definition of Additional Insured
Bar Insurance
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.
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.
Basic Types of Policies
Business Insurance Policies cover four basic things: property, liability, people, and income.
Business Insurance Policies cover four basic things: property, liability, people, and income.
Why 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.
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.
Casualty Insurance
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
Casualty insurance differs from property insurance. Casualty insurance insures the business while property insurance insures the location.
What is a "public option?"
Health insurance reform will have a big impact on your business insurance plan. It may affect costs, profitability, employee benefits, and availability of insurance coverage. One proposal is to create a public option insurance plan. What is a public option and how would it work?
Health insurance reform will have a big impact on your business insurance plan. It may affect costs, profitability, employee benefits, and availability of insurance coverage. One proposal is to create a public option insurance plan. What is a public option and how would it work?
Example of Coverage
Business interruption coverage can be explained by and example.
Business interruption coverage can be explained by and example.
Workers' Compensation
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.
Church Insurance
Business Insurance for a church to protect the congregation and the physical location of the church is similar to insurance for a business.
Business Insurance for a church to protect the congregation and the physical location of the church is similar to insurance for a business.
Property Insurance
Property Insurance is insurance that insures your location and contents.
Property Insurance is insurance that insures your location and contents.
HDHP and HSA
High Deductible Health Plans and a Health Savings Account can be a good way for newer small businesses to provide coverage to their employees.
High Deductible Health Plans and a Health Savings Account can be a good way for newer small businesses to provide coverage to their employees.
Adverising Injury Coverage
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.
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.
Key Man Insurance
Key Man insurance coverage is business insurance for the "key" employees within your business. Whether you need key man business insurance coverage is dependent upon the nature of your business.
Key Man insurance coverage is business insurance for the "key" employees within your business. Whether you need key man business insurance coverage is dependent upon the nature of your business.
What is 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.
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.
Home Business Insurance
Home businesses need business insurance to protect the business just like any other business. Her we discuss the most common types of business insurance need by the home business.
Home businesses need business insurance to protect the business just like any other business. Her we discuss the most common types of business insurance need by the home business.
Business Interruption
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
Business Interruption Insurance is coverage that protects your business from the loss of income from a loss of business location
Purchase Checklist
This is a Checklist of Documents and Information You Will Need to Purchase Business Insurance.
This is a Checklist of Documents and Information You Will Need to Purchase Business Insurance.
Purchasing Commercial Auto
Commercial auto insurance is one of the most critical coverages for your business insurance and risk management program. Before you add a commercial auto policy to your business insurance program, consider the following points and discuss them with your insurance professional.
Commercial auto insurance is one of the most critical coverages for your business insurance and risk management program. Before you add a commercial auto policy to your business insurance program, consider the following points and discuss them with your insurance professional.
Choosing an Agent or Broker
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.
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.
Lowering WC Premiums
Workers compensation premiums are based on a formula used throughout the industry. Understanding the formula helps you lower your business insurance premiums.
Workers compensation premiums are based on a formula used throughout the industry. Understanding the formula helps you lower your business insurance premiums.
Choosing an Insurance Company
Choosing an Insurance Company for your Business Insurance.
Choosing an Insurance Company for your Business Insurance.
Workers' Comp. FAQ
Frequently Asked Questions About Workers' Compensation Insurance
Frequently Asked Questions About Workers' Compensation Insurance
Discontinued Operations
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
Discontinued Operations and Products Coverage is business insurance that covers the risk of loss after a business ceases operations.
Do I need bus. auto?
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
Your business needs commercial auto coverage if it uses any titled vehicles in its business.
Definition of Exclusion
Definition of Exclusion.
Definition of Exclusion.
What Insurance?
Insuring your business starts with a statement about what your business does.
Insuring your business starts with a statement about what your business does.
Business Insurance Intro
This is an introduction to business insurance.
This is an introduction to business insurance.
How to Insure Everything
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.
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.
Working with Your Insurer
Business owners who purchase business insurance for their business must, necessarily, work with their insurance company. Here is some advice for working with your business insurer.
Business owners who purchase business insurance for their business must, necessarily, work with their insurance company. Here is some advice for working with your business insurer.
epliins
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.
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.
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.
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.
Spouse-Employee Deductions
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.
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.
Preparing to Buy Insurance
Preparing to Purchase business insurance is a four step process and is a good start in preparing a solid business insurance plan.
Preparing to Purchase business insurance is a four step process and is a good start in preparing a solid business insurance plan.
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.
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.
Definition of Occurrence
Definition of Occurrence
Definition of Occurrence
Business Insurance Claims
Business insurance is for managing risk. Risk means the chance of something going wrong causing damage to the business or to others. When claims occur, the claims must be reported to the business insurer. Here we look at how to submit a claim to the business insurer.
Business insurance 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.
Drug-Free Workplace Savings
Business insurance such as workers' compensation insurance is mandated by the state. Premium discounts can be obtained by creating a drug-free workplace.
Business insurance such as workers' compensation insurance is mandated by the state. Premium discounts can be obtained by creating a drug-free workplace.
Raising 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.
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.
Life Insurance
Life Insurance can be used in your business insurance plan to cover key employees, owners, and partners in case of death or as an additional benefit for your employees.
Life Insurance can be used in your business insurance plan to cover key employees, owners, and partners in case of death or as an additional benefit for your employees.
How Much Bus. Int. Insurance?
Business interruption insurance is notoriously difficult to purchase in the correct coverage amount. Under insuring will result in a penalty.
Business interruption insurance is notoriously difficult to purchase in the correct coverage amount. Under insuring will result in a penalty.
Insurer Ratings
There are five main companies that provide ratings for insurers.
There are five main companies that provide ratings for insurers.
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.
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.
Insurer Bankruptcy
American International Group or AIG is the nation's largest business insurer. AIG may fail or declare bankruptcy. This article discusses what happens when an insurer becomes insolvent. It addresses whether your business will lose business insurance.
American International Group or AIG is the nation's largest business insurer. AIG may fail or declare bankruptcy. This article discusses what happens when an insurer becomes insolvent. It addresses whether your business will lose business insurance.
Agent Accreditation
Insurance agents and brokers can seek accreditation based on their experience and training.
Insurance agents and brokers can seek accreditation based on their experience and training.
Lowering Insurance Premiums
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
You can lower your business insurance premiums. Here are some tips to lower your business insurance premiums.
Health Insurance Overview
Health insurance for your business is important for your business to be competitive.
Health insurance for your business is important for your business to be competitive.
Valuable Papers Coverage
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.
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.
Overview of Ins Contract
An Insurance Policy is a contract and each side has specific obligations.
An Insurance Policy is a contract and each side has specific obligations.
Political Risk Insurance
International and multi-national businesses, banks, financial institutions and other businesses that do business in countries with unstable social and political conditions can reduce the risk of of revolution, regime change or political violence with political risk insurance.
International and multi-national businesses, banks, financial institutions and other businesses that do business in countries with unstable social and political conditions can reduce the risk of of revolution, regime change or political violence with political risk insurance.
Business Insurance - Articles
An index of articles for the Business Insurance guide site.
An index of articles for the Business Insurance guide site.
Specialized Insurance
Some businesses require specialized business insurance.
Some businesses require specialized business insurance.
Business Insurance Budget
Business insurance is a significant cost of doing business. Planning your small business insurance plan requires budgeting for insurance.
Business insurance is a significant cost of doing business. Planning your small business insurance plan requires budgeting for insurance.
Definition of Adjuster
Definition of Adjuster
Definition of Adjuster
Definition of Coinsurance
Definition of coinsurance.
Definition of coinsurance.
Travel Insurance
Businesses that have their employees travel frequently may benefit by requiring travel insurance on travel purchased by the company. Travel insurance can also provide some valuable protection to expensive international business travel.
Businesses that have their employees travel frequently may benefit by requiring travel insurance on travel purchased by the company. Travel insurance can also provide some valuable protection to expensive international business travel.
Group Premiums
Business insurance premiums are often less expensive when the business insurance is purchased through membership in a professional organization or business group.
Business insurance premiums are often less expensive when the business insurance is purchased through membership in a professional organization or business group.
Online Business Insurance
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.
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 Employee Life Insurance
Life Insurance Can be Used to Insure the Life of Key Employees and to Continue the Business in Case of Death
Life Insurance Can be Used to Insure the Life of Key Employees and to Continue the Business in Case of Death
Flood Insurance
Flooding and water damage is not covered under most commercial property policies. Your Business Insurance plan may need flood insurance.
Flooding and water damage is not covered under most commercial property policies. Your Business Insurance plan may need flood insurance.
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.
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.
Nonprofit Insurance
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.
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.
Network Risk
A network risk policy can protect your business in case of a serious network or internet outage and is a valuable part of your business insurance for your business.
A network risk policy can protect your business in case of a serious network or internet outage and is a valuable part of your business insurance for your business.
Arkansas
Arkansas Department of Insurance links and contact information.
Arkansas Department of Insurance links and contact information.
Business Location
Your business location can effect the cost of premiums paid for your business liability insurance. When looking for a location for your business consider the effect of the location on your insurance premiums for your business insurance.
Your business location can effect the cost of premiums paid for your business liability insurance. When looking for a location for your business consider the effect of the location on your insurance premiums for your business insurance.
Wind Insurance Options
The threat of storm damage for coastal businesses is always present. Businesses may be able to take advantage of state sponsored business insurance to protect against the risk of storm damage.
The threat of storm damage for coastal businesses is always present. Businesses may be able to take advantage of state sponsored business insurance to protect against the risk of storm damage.
Creating a Disaster Plan
Proper Business Insurance planning includes the creation of a disaster plan. The business owner has many tools available to create such a plan.
Proper Business Insurance planning includes the creation of a disaster plan. The business owner has many tools available to create such a plan.
Intentional Acts Coverage
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.
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.
Def. of Primary Care Physician
Primary Care Physician Definition
Primary Care Physician Definition
COBRA Questions
The Consolidated Omnibus Budget Reconciliation Act (COBRA)applies to health insurance benefits. It is a law that requires a continuation of health insurance fro employees. Compliance must be a part of a business insurance plan that includes health insurance.
The Consolidated Omnibus Budget Reconciliation Act (COBRA)applies to health insurance benefits. It is a law that requires a continuation of health insurance fro employees. Compliance must be a part of a business insurance plan that includes health insurance.
Open Enrollment Review
Every year your business health insurance plan will have an open-enrollment period. Open-enrollment is an excellent time for business owners and employees to review health care costs and premium expenses and consider options to lower premiums.
Every year your business health insurance plan will have an open-enrollment period. Open-enrollment is an excellent time for business owners and employees to review health care costs and premium expenses and consider options to lower premiums.
Property Insurance Tips
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.
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.
California
Links and contact information for the California Department of Insurance.
Links and contact information for the California Department of Insurance.
Agent 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.
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.
Commercial Auto Sites
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
Online insurance quotes are available from many insurance companies. This is a listing of online insurance quote sites.
Professional Overhead
Business Insurance - Professional Overhead Expense Disability Coverage Protects the Business and Business Owner in Case of Disability.
Business Insurance - Professional Overhead Expense Disability Coverage Protects the Business and Business Owner in Case of Disability.
Finding Insurance Professional
Businesses often find it difficult to find an agent or broker familiar with their particular business.
Businesses often find it difficult to find an agent or broker familiar with their particular business.
Farm Insurance
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 a farm requires a good deal of forethought in order to purchase the proper insurance for the farm operations.
New Jersey
Insurance links and contact information for the State of New Jersey.
Insurance links and contact information for the State of New Jersey.
Interpreting 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.
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.
Definition of the BOP
Definition of a Business Owner's Policy
Definition of a Business Owner's Policy
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.
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.
Def. of Actual Cash Value
Definition of Actual Cash Value
Definition of Actual Cash Value
West Virginia
Insurance links and contact information for the State of West Virginia
Insurance links and contact information for the State of West Virginia
Definition of Broker
Definition of Insurance Broker
Definition of Insurance Broker
High Deductible Health Plans
High Deductible Health Plan Definition
High Deductible Health Plan Definition
Def. of Replacement Cost
Replacement Cost - Business Insurance Definition
Replacement Cost - Business Insurance Definition
Lodging Insurance
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.
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.
Michigan
Insurance links and contact information for the State of Michigan
Insurance links and contact information for the State of Michigan
Mississippi
Insurance links and contact information for the State of Mississippi.
Insurance links and contact information for the State of Mississippi.
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.
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.
Florida
Links and contacts to the Florida Department of Insurance.
Links and contacts to the Florida Department of Insurance.
Oregon
Insurance links and contact information for the State of Oregon
Insurance links and contact information for the State of Oregon
Puerto Rico
Insurance links and contact information for the Commonwealth of Puerto Rico
Insurance links and contact information for the Commonwealth of Puerto Rico
Home Office Insurance
Home offices can be protected against risk by proper business insurance coverage. This article discusses what insurance is available 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.
Arizona
Links and contacts to the Arizona Department of Insurance
Links and contacts to the Arizona Department of Insurance
Business Insurance - FAQs
An index of FAQs for the Business Insurance guide site.
An index of FAQs for the Business Insurance guide site.
Legal Defense
When your business is sued for something or someones alleged injury, your business insurance policy provides for a defense against the claims. Here we discuss how business insurance provides you a legal defense.
When your business is sued for something or someones alleged injury, your business insurance policy provides for a defense against the claims. Here we discuss how business insurance provides you a legal defense.