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Where can I find business insurance information?

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...

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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...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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business insurance informationMany business owners wonder where to find business insurance information online.

Generally speaking, they must choose between looking at individual insurance sites, contacting agents directly and using comparison sites to view details of many policies at once.

Enter your ZIP code above to compare rates and save money on business insurance coverage. Find the best possible rates today for FREE by comparing quotes!

Advantages of Using Comparison Sites

Comparison sites makes the process of finding business insurance information online much easier. They allow you to see many policies at once so you have a thorough idea of what’s available. They also enable you to access information about the different types of business insurance.

Some may provide a link that lets you apply for and purchase policies immediately over the internet without any need to fill out paperwork or make office visits.

Types of Business Insurance

When comparing information about business insurance online, it also helps to have a basic understand of the different types of business insurance. Common forms of business insurance include the following policy types:

  • Property
  • Casualty
  • Liability
  • Commercial auto
  • Worker’s compensation
  • Business interruption
  • Health
  • Life
  • Disability

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Comparing Property and Casualty Business Insurance Policies

Property insurance protects the physical location of a business. Casualty insurance is often grouped with property insurance and protects against losses the business may incur as a result of physical damage.

When preparing to research and compare property and casualty business insurance policies, it’s important to ask yourself the following questions:

1. Which types of damage does each policy cover?
2. Which types of damage is the business most likely to incur?
3. Will any additional accident-specific coverage be necessary?
4. How does the insurer determine the benefit amount of casualty coverage?
5. What is your business able to pay for coverage?

Comparing Liability Business Insurance Policies

liability insurance policies

Liability insurance is sometimes required by law or certain professional organizations. It protects a business in the event that someone sues the business for negligence. The following questions can guide your online search for information about liability insurance for your business.

1. How likely is it that someone will make a claim against your business?
2. Is it more likely that claims will be made immediately or a significant time after work is complete?
3. What is the insurer’s single occurrence limit, or the maximum amount that will be paid for one incident?
4. What is the insurer’s aggregate occurrence limit, or the maximum amount paid within one policy period?
5. Which types of incidents are covered by the policy?
6. Are any specific events excluded by the policy?
7. What is your budget for liability insurance?

Comparing Commercial Auto Insurance Policies

Personal auto insurance does not offer the same coverage as commercial auto insurance. Commercial auto insurance covers cars used for the business and operated by employees. Some questions to consider when comparing commercial auto insurance policies follow.

1. How many commercial vehicles and drivers does the policy cover?
2. What is the policy’s stance on employees who use their own vehicles to carry out work-related tasks?
3. Are their limitations on what each policy covers?
4. How critical are vehicles to the operation of your business?

Comparing Worker’s Compensation Business Insurance Policies

Worker’s compensation insurance protects employees from accidents that happen while at work. This form of business insurance is legally required, and specific guidelines differ by state. When comparing worker’s compensation plans online, use the following questions as a guide.

1. Does the policy meet all requirements of my state?
2. What size company is best served by this policy?
3. What is the risk associated with my type of business?
4. How will my claims history affect future coverage?

Comparing Business Interruption Insurance Policies

business interruption insurance

Business interruption insurance is similar to property and casualty insurance because it protects the business in the event that unforeseen circumstances, such as a fire or flood, cause it to temporarily close. Business interruption insurance reimburses profits you would have earned based on financial records. Additionally, it may cover operating expenses that still occur even if the business is not longer functional. Some forms of business interruption insurance cover costs of operating out of a temporary location while the primary location is undergoing repair.

Questions to ask when comparing business interruption insurance include the following:

1. Does the policy allow adequate time for the business to undergo repairs and resume making a profit?
2. How likely is your business to suffer from one of the accidents covered by the policy?
3. Is you business likely to be successful operating from a temporary location?

Comparing Business Health, Disability and Life Insurance Policies

Health, life and disability insurance is offered by a business to employees. Large corporations may offer comprehensive coverage that is deducted from employees’ checks. Small corporations may offer discounts to employees who are responsible for financing their own plans.

Additionally, businesses may take out disability and life insurance to protect the business in the event that a key employee becomes disabled or dies. Questions to consider when comparing the policies are listed below.

1. What is your company’s primary motivation for offering health, disability and life insurance?
2. How many workers are officially employees rather than independent contractors?
3. How many employees work full-time?
4. What is the likelihood that death of injury to one member of a company will significantly impact that company’s well-being?
5. What is the company’s budget for offering health, disability and life insurance?

With knowledge of the different business insurance types, you can successful search for business insurance policies and compare them with ease online.

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