Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Free business insurance quotes

Getting free business insurance quotes is a necessary step for new business owners. Free quotes allow businesses to make sure that they are purchasing a policy that will meet all their needs and fall within the budget. Online business insurance quotes have many advantages because they allow business owners to do the following.

1. Compare and contrast what each policy offers
2. Compare and contrast the pricing of several comparable policies
3. Shop for the best policy without having to spend time on doing research themselves
4. Take time to consider each policy without pressure to purchase immediately
5. Search for policies within the comfort of their own office or home

Find the best business insurance rates for your business by comparing quotes. Enter your zip code above to begin comparing!

Free Business Insurance Quotes for Established Businesses

Getting free business insurance quotes is a good idea for established businesses as well, especially when the business undergoes a change. Established business owners may get free business insurance quotes when the business does the following.

1. Changes physical locations
2. Adds additional employees
3. Changes the scope of its operations
4. Sets a new budget

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Types of Free Business Insurance Quotes

Businesses may be legally required to carry some types of insurance. Other types may be added when the business searches for free quotes and realizes the advantages of having additional business insurance policies. The following types of business insurance are available.

1. Property insurance
2. Liability insurance
3. Health insurance
4. Life insurance

Comparing Free Quotes for Business Property Insurance

types of business insurance

Property insurance protects your business from natural disasters such as fire and tornadoes. It also protects your business from human disasters such as break-ins. When using free quotes to compare business property insurance, consider the following things when viewing each policy.

1. The types of damage covered
2. The likelihood of each event happening to your business
3. The amount of space covered by the policy
4. The amount of space occupied by your business

Comparing Free Quotes for Business Liability Insurance

Business liability insurance protects the business from personal injury law suits. If someone is injured while on the property or a job site, liability insurance is necessary. Additionally, some states require that businesses have liability insurance before the business can legally operate. Consider the following when comparing quotes for liability insurance.

1. The type of accidents covered by the policy
2. The type of accidents most likely to occur at your business
3. The amount of coverage offered by the policy
4. The minimum amount of liability coverage requested by your state of residence

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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Compare Insurance Providers Rates to Save Up to 75%

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Comparing Free Quotes for Business Health Insurance

Business health insurance may be offered as part of a benefits package to full-time employees. Small businesses with independent contractors rather than employees may still offer employee-paid health insurance at lower rates than what would be available to the employees if they purchased health insurance completely independently. Some considerations when comparing free quotes for business health insurance include these.

1. Whether the business has full-time employees or independent contractors
2. The number of people seeking coverage via the business
3. The type of coverage offered by each policy

Comparing Free Quotes for Business Life Insurance

Business life insurance, like health insurance, may be provided as part of an employee benefits package. The business may also purchase a life insurance policy in the name of its owner and list the business as the beneficiary. Listing the business as the beneficiary will provide the business with a period of financial security in the event of its owner’s death. Some considerations when comparing free quotes for business life insurance are listed.

1. Whether the business has full-time employees or independent contractors
2. The number of people seeking coverage via the business
3. The benefit amount of each policy
4. The amount of money needed to stabilize the business following its owner’s death
5. Whether or not the premium increases as the policyholder ages

Guidelines for Discussing Free Business Insurance Quotes with an Agent

business insurance agent

Free business insurance quotes give companies the freedom to thoroughly review policies and premiums before agreeing to purchase anything. Completing the process online while at work or at home also allows businesses to avoid pressure from agents who may emphasize certain policies rather than others.

However, businesses may choose to speak to insurance agents if they have additional questions about the quotes. Prior to speaking to an agent about a quote, businesses may prepare for the conversation by doing the following things.

1. Create a list of key questions
2. Make sure the information from the other quotes is readily available for reference
3. Create a goal for the conversation and direct the conversation toward meeting this goal

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Guidelines for Purchasing and Selecting a Business Insurance Policy

When businesses have thoroughly considered all free business insurance quotes, they may select a policy. This may usually be done through an agent or through an online system. A final checklist for businesses to consider before choosing a policy includes the following questions.

1. Does the policy provide ample coverage for the business size?
2. Does the policy offer the best price for the type of coverage offered?
3. Is the business able to make regular payments to maintain the policy?
4. What is the process for renewing the policy?

If the business’s direction changes, the owner may search for additional free business insurance quotes. Find the best available rates by entering your zip code below.