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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business insurance rates

With so many insurance companies offering free online quotes, it is easy to obtain business insurance rates from a variety of providers when comparison shopping. Many business owners have begun comparing rates online to save time and money.

Enter your zip code above to compare business insurance quotes online today!

Armed with these rates, business owners can make a choice that provides the appropriate business insurance coverage at the best price. There is never any need to be over-insured, in fact, that would be a waste of money. Good coverage from a reputable insurer at a competitive price should be the goal of insurance price comparisons.

Business Insurance is Not Optional

Business insurance is essential if you want to stay in business. Some coverages are required by law or your lender, others simply make good sense because they protect you and the time and money you have invested in your enterprise.

Without insurance, your business may be at risk of a lawsuit or weather calamity that robs you of all your efforts. Buying the best coverage you can afford helps guarantee your business will not suffer from frivolous claims or fail to rebuild following a fire.

When you shop around for a good rate on your business insurance, you can maximize your coverage while minimizing the cost to your bottom line. You can find the right provider and rest assured knowing your interests are fully protected.

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Comparing Rates Online

When comparing rates online, it is important to understand your business insurance needs and the different types of coverage available.

* Professional Liability Insurance – This coverage protects the owners of a business from customers making negligence claims. In the medical profession this coverage is known as malpractice insurance. In the US, this coverage is often referred to as errors and omissions insurance.

* Property Insurance – This coverage is for the physical property of your business including buildings and equipment. This insurance is usually required by a financial institution when you are operating with a business loan. Whether or not you are required to carry this insurance, you need it to protect your company’s assets in the event of a fire or natural disaster.

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* Business Interruption InsuranceBusiness interruption insurance provides financial support in the event that your business cannot immediately resume operations following an event like a fire or weather damage.

* Commercial Vehicle Insurance – This coverage protects your company vehicles and shields your company from liability lawsuits following accidents.

* Workers Compensation – This coverage provides income to workers injured while working and is often mandated by law if you have employees.

* Health, Disability, and Life Insurance – These coverages are often provided under separate policies. They help provide you, your employees and families with protection and security.

* Business Owners Policy (BOP) – Some providers assemble policy packages designed to provide all the coverages a small business might need. The coverages provided in a BOP can vary, and you should understand your needs and the coverage provided before choosing this option.

Choosing the Right Insurance Provider

business insurance comparison

Once you understand your insurance needs, you can compare insurance rates online. With a list of quotes for the various coverage options, you can get a feel for the right insurance provider for your needs.

Some things you will want to keep in mind when comparing business insurance rates:

– Are the coverages equal?

Sometimes an insurer’s rate looks better because the policy includes less coverage. Minimum coverage can leave holes in your insurance protection.

– Do they offer discounts for risk reduction?

You may be able to improve your insurance rates by providing better security or adding sprinkler systems to your property.

– Can you increase your deductible?

This will increase your out of pocket expense in the event of claim, but can help you control costs while insuring your business for larger claims.

– Are bundled coverages available?

Many insurers offer discounts for purchasing multiple coverages. A BOP or other bundled plan may offer the coverage your business needs at a very reasonable price.

Choosing the Best Business Insurance Rates

Once you have compared rates from a variety of insurers, you will want to be sure you settle on one that provides the peace of mind and security your business needs. Pay attention to the customer service you receive when dealing with insurers. These are the people you will call when things go wrong. You need to know they will respond to your calls and settle your claims in a professional manner.

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Business Insurance Quotes

Start your search for business insurance now so you can find the right coverage at the right price for your business. You may be paying too much, or worse, you may be leaving yourself open to risks you have not considered. Comparing prices online will enable you to obtain business insurance rates that protect your company for years to come.