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 Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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business insurance solutions

For business owners pondering the question, “Where do I find business insurance solutions?” for their start-up company, a few things need to be clarified first. It’s a common misconception to think that there is a broad-type of business insurance that provides protection to all aspects of the business.

In reality, there are several different kinds of business insurance policies that would need to be secured in order to ensure that all parts of a business are covered. The reason that this situation exists for businesses is because since every business is unique, each one would need different levels and types of insurance coverage to properly protect it from the various pitfalls that could occur.

So before specific insurance would be purchased for a business, the owner would first need to learn the different types of insurance available for businesses.

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Types of Business Insurance

Below are some of the most popular types of business insurance available. See which types are necessary for your business situation:

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– General liability insurance

This kind of insurance protects a business against legal action caused by the negligence on the business or its employees. When people talk about “business insurance,” this is often the insurance that they are referring to.

– Property insurance

This insurance offers protection to the location of the business and all of it contents. Protection is also extended to the belongings of others that are damaged while in the care of the business.

– Casualty insurance

This insurance offers protection to the business itself in case of loss or damage.

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– Commercial auto insurance

commercial auto insurance

This insurance provides protection to the vehicles being used for business purposes. It also compensates damage caused by the company vehicle or medical expenses to individuals who were harmed by the vehicle.

– Worker’s compensation

This insurance protects employees injured while on the job. Workers compensation is required by law in most states.

– Business interruption insurance

This insurance offers protection against loss of cash flow of a business when the business operation is interrupted.

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Choosing The Right Amount Of Insurance

A business owner needs to view all of the different parts of his business, and then determine which specific types of insurance coverage is needed in order to offer the best protection for the entirety of the business. In many cases, not all insurance coverages are needed.

For instance, a company that does not use any vehicles for business operation would not need to purchase commercial auto insurance. Buying unnecessary business insurance would simply be adding to the company’s expenses while providing no additional protection.

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Getting Business Insurance “Packaged” Plans

Another thing to consider is that many insurance companies, realizing that most businesses will need a few different types of insurance policies, will offer business “package” insurance plans that combine policies at a discounted rate. Property insurance and casualty insurance are commonly sold together as a packaged insurance plan. Getting packaged plans may offer business owners a discount on insurance needs. However, the policy terms should be carefully reviewed to ensure that all of the coverage being bought is actually necessary.

Evaluating Affordable Business Insurance Policies

Once business owners have evaluated their insurance needs and determined which insurance policies would need to be purchased in order to provide the most comprehensive insurance protection to their business, they can then go about the process of getting the most affordable insurance policies.

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Filtering Through Business Insurance

There are a few options available when it comes to finding insurance solutions on the various kinds of business insurance policies. Business owners could take the tedious route of visiting insurance companies individually. However, this process can be very time-consuming and labor-intensive. There are literally thousands of different insurance firms offering the many type of insurance policies targeted at businesses.

The Benefits Of Using A Business Insurance Comparison Website

A much better way of quickly and easily finding the most affordable prices when it comes to business insurance is to use the services provided by an insurance comparison website. This incredibly resourceful kind of website will save business owners hours of time and frustration. The reality is that most business owners simply don’t know which insurance companies are more trustworthy or reliable than others.

Business Insurance Comparison Websites Are Easy To Use

A big reason why business owners like insurance comparison websites is because they are so simple to use. All a business owner needs to do is enter in the required information into an easy-to-understand web form. The insurance comparison website will then take that data and submit it to dozens of insurance companies that they normally work with. Within minutes, the business owner will receive results consisting of the various relevant insurance plans being offered. These will all contain the specific insurance policies needed by the business owner to provide sufficient coverage.

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Let our Insurance Comparison Tool find the Best Business Insurance Policy

With so many insurance websites to choose from, and with selecting the right one being such an important task, business owners are definitely in need of assistance in this choice. This is why insurance comparison websites are growing so quickly in popularity. Business owners have enough to worry about concerning the survival and growth of their businesses. They will gladly take advantage of the assistance provided by a quality insurance comparison website.

Selecting The Right Insurance Policy

Insurance Policy

The business owner then evaluates all of the insurance quotes that he received from the insurance comparison website, and decides on which insurance policies and plans would be best suited for his unique business insurance needs. After that, the business owner can then pay for the insurance policies that he needs right over the internet. Generally, he can use a credit card or business checking account in order to transfer funds over to the insurance company for payment. This occurs almost instantly.

Printing Out Necessary Insurance Documents

Upon confirmation that the payment went through, the business owner can then print out all of the necessary insurance documentations that they need to have on the business premises. The entire process is very easy to complete, and the time involved usually last less than an hour from start to finish.

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Choosing The Right Business Insurance Coverage Is Key

Business owners absolutely need to get adequate amounts of insurance coverage if they are truly serious about running their business. Not having sufficient insurance protection could mean that any minor incident can become a big enough crisis to threaten the business. In order to maximize the lifetime that a business will operate, business owners are strongly encouraged to get the most amount of necessary insurance protection that the business financially can.

Find the best possible rates on business insurance by comparing quotes today. Enter your zip code below to begin!