BUSINESS INSURANCE QUOTES FOR WORKERS COMPENSATION, GENERAL LIABILITY, PROPERTY, COMMERCIAL AUTO & MORE...
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Please see the
following brief
descriptions of
different business
insurances.
This will assist you
in determining what
type of business
insurance quotes you
may need.
BUSINESS AUTO
Business Auto
Insurance /
Commercial Auto
Insurance
Commercial Auto
Insurance or
Business Auto are
commercial insurance
policies written to
cover vehicles used
during the course of
business. Most
of the time the
vehicles are owned
by the company
purchasing the
commercial auto
insurance policy.
WORKERS COMPENSATION
Workers compensation is
designed to cover
employees for
accidents or
illnesses that
occurs while on the
job. Many
states make it
mandatory to have
workers compensation
coverage
if you have even
just one employee
(be sure to check
your specific state
as the requirements
vary greatly from
state to state).
Coverage's provided
to a worker vary
depending on the
incident and range
from simple doctor
bills to total
rehabilitation and
death benefits.
GENERAL LIABILITY
Business
Liability Coverage
applies to:
Premises liability
arising out of the
ownership, maintenance
or use of the premises;
Products liability for
goods and products
manufactured, sold or
distributed;
Completed operations
liability for services
provided or work done
for others;
Personal injury
liability and
advertising injury
liability of the
insured; and
Medical payments
coverage.
There two basic coverage
forms to choose from.
CG 00 01, is the
"occurrence" form. It
covers losses where the
injury or damage occurs
during the covered
policy period,
regardless of when the
insurance company is
notified of the loss or
claim. The key to this
coverage approach is the
date of loss or the
period of time when the
loss occurs.
CG 00 02 is the
"claims-made" coverage
form. With this form,
coverage is triggered by
the actual filing date
or receipt of the claim,
in addition to the date
or period of time in
which the loss or injury
occurs. This form
handles any covered loss
or claim filed during
the policy period,
regardless of when the
actual loss or injury
occurred. This is
subject to the
retroactive date
indicated on the
declarations. While the
retroactive date can be
any date, for complete
protection it should be
the first date that
claims-made coverage was
applied to the risk.
This is because an
occurrence coverage form
applies to any loss or
damage before that date.
Claims-made coverage
applies only to covered
losses occurring after
the retroactive date.
BUSINESS
PROPERTY
Business Property policies
can provide coverage
for buildings,
contents and Tenant
Improvements &
Betterments.
If you lease / rent,
you would most
likely want Business
Personal Property
Coverage to insure
your equipment,
desks, pc's etc.
You can get the
coverage on a RC
(replacement cost,
what it costs to
replace it, not what
it is actually worth
at the time of the
loss) or on ACV
(Actual Cash Value,
the value the
insured item is
worth at the time of
loss
regardless of what
it would cost to
replace it).
The above information is
for general informational
purposes only and is
not to be construed
as a recommendation
or advice in any way
shape or form.
