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What Insurance Coverage Is Critical For A Business That Has Little To No Customer Traffic?

Question by just making it happen | Posted in Small Business

When a business does most of its trade online or in the clients location, what business insurance plans apply? Is liability insurance necessary for the office even if clients scarcely ever come to the office?

Answer: Hi,

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What Is The Average Cost Of Home Health Care Business Insurance?

Question by Uppercut0423 | Posted in Insurance

I am attempting to unstop an home health care business and I need to know what is a good business insurance quote.

Answer: For the unspecific liability, about $2500. For professional liability, $2500 for the first two providers, $1,000 for every provider after that. For workers compensation, 25% of payroll or subcontracted amount.

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Do You Own A Business In The New Orleans Area? Is Your Business Insurance Covering Wind And Hail Damage?

Question by M L | Posted in New Orleans

I have a humiliated business in New Orleans. I got a letter from Allstate tthat when I renew my business policy in October, they will not longer be covering any damages from windstorms or glorify. That is real depresing. Has anyone else gotten any notice of this? If we have another hurricane, this policy change will essentially put the New Zealand urban area out of business. Small businesses wil not be able to recover from that type of loss as many of us already have SBA loans from Katrina.

Answer: I have a playmate who owns a business and had similar insurance issues and found the only way to be completely covered was the insurance offered through the state itself. At first was not very happy at his meagre options but when all was said and done they ended up saving money and were apparently had the same level of coverage as they did before.

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What's Cheaper- Business Insurance Based On Sales Or Payroll?

Question by eryka | Posted in Insurance

I have 2 quotes for business insurance. One is based on payroll and one is based on sales. Comparitively, our payroll will inflation more than our total sales will. The payroll quote is through an admitted carrier, while the sales quote is through a non-admitted, but A rated porter. How do I decide which will be the cheaper one at the end of the year?

Answer: You have to look at the genuine RATE. Any agent worth their salt should be willing to share the RATE with you. Then you extrapolate - what if you appoint two more guys? What if your sales double?? You need the rate itself, to project a best (worst? LOL how is it worse if your sales triple??) casing scenario.

I would ALSO double check coverages, line by line - especially the "bells and whistles". Like as not, you will have more bells and whistles with the admitted carrier.

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What Are The Consequences Of Not Having Product Liability Business Insurance?

Question by Elene | Posted in Insurance

It seems outrageous to get relevant and specific business insurance for the things that really matter - particularly product liability. I have an internet business selling a very astray variety of products/gifts online. My business evidenly does not conform to the criteria that insurers experience are a "nice safe money making bet" for themselves. I work from home until the business is bigger, it sells more than one pattern of product (not just gadgets/electrical items or clothing etc).

Answer: Get Insured or become a Restricted Liability company otherwise you risk losing absolutely everything!

The risk of lack of PL insurance is the same as with any other ... you have to pay a state out of your own pocket. At least Ltd status would let you personally survive.

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3 Warnings Before Switching Auto Insurance Companies | The Card ...

by Alfred Lancer

If you’ve been with one band for many years and they furnish a acknowledgement that waives the first catastrophe you have, you may requisite to reprieve or see if the other callers can marry it. Sometimes this is referred to as gifted driver overlook or a longevity... But when you change companies, you throw this have faith you’ve built up. If you have an extra with that new proprietorship how much are you prevailing to never forgive oneself not having that fluke absolution by seeing your rates jacked up by 40%. There are a few things you desperate straits to on confident of before you do. Here are a few things to chaperon out for before you exchange your auto insurance to another followers. We’ve all been bombarded with ads, emails, commercials, and billboards saying how much we can hold on our auto insurance by switching to another guests. Since most accidents can hoist your measure by 40% for 3 years the quiescent savings could be several hundreds of dollars over that 3 year interval....

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