Tag: Companies

Auto Finance Companies – Payday Loans Online, finance companies.#Finance #companies


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The Top 4 Companies for Auto Finance, finance companies.#Finance #companies


Looking For The Best Auto Finance Companies?

5005 W. Royal Lane, Suite 209

Irving, TX 75063

Services Offered: Auto finance

Company Overview: MyAutoLoan.com was established in 2004. They are an entirely e-commerce based company, and offer affiliation with some of the top lenders in the nation for auto loans. They are a subsidiary of Horizon Digital Finance, LLC, which was founded in 2003 to provide direct-to-consumer auto financing. The company is a recognized leader in the online lifestyle financing process, bringing the choice back to consumers.

Our Review: MyAutoLoan.com has plenty of great loan options for consumers. They offer many different programs and great rates for all types of people. The website is really easy to use, and very well designed. Their customer service is top-rate, as well, which is an added bonus.

User Review: MyAutoLoan.com helped me get a much better rate on auto finance than the dealer was offering. I couldn’t believe how affordable the payments were, or how much money I was able to save by outsourcing my needs beyond the dealership. I’ll never finance through a dealership again.

12777 High Bluff Drive, Suite 100

San Diego, CA 92130

Services Offered: Auto Finance

Company Overview: Bank of Internet was the first online-only bank to come into business. They were founded in 1999, and currently have more than $1 billion in assets. The company is FDIC-insured, like any bank should be. They also have better rates on their products, including auto finance, since they operate online-only. They also work with customers all over the nation.

Our Review: Bank of Internet is still one of our favorite lenders. For auto financing, they have many different programs for all types of consumers. They have a professional and easy to use website, and offer so many resources so that people can get exactly what they need. Plus, the customer service is great, which is essential.

User Review: Bank of Internet had great options for my auto finance needs. I wasn’t sure about working with a company that was only online, but once I saw all they had to offer, I was sold on their services. Now I can get exactly what I want at the dealership and trust that I’ll be able to afford the payments.

Finding Auto Finance Options

There are many different places that you can turn to for your auto financing needs. If you’re not sure of your options, you need to take the time to research what’s out there and make the most of it for your specific needs. By doing this, you’ll be able to be better informed and more prepared for the world of auto finance. The first rule is that if you can’t afford a car, you shouldn’t buy it. This might seem obvious, but many people do whatever they can to find a way to afford a vehicle that is far too expensive for their budget, including getting loans that extend for far too long and even paying more than they should just because they like the car. The worst thing that you can do is walk into a dealership with no financing in place, and not have a firm understanding of what you want to spend. For starters, get pre-approved for auto financing before you even visit a dealership. This will give you a better idea of your budget. Also, you should learn to stand your ground and never pay sticker price for a vehicle. You should be firm in your bargaining, so that the salesman knows that they aren’t going to sell you a vehicle unless they give you exactly what you want and need. For example, if you are looking to spend less than $14,000, and the car that you find is sticker priced at $17,995, you should be able to talk the dealer down or move on to a different vehicle. Play hard to get, and you’ll likely get the deal that you deserve. It might seem silly to walk away or even walk out of a dealership empty-handed, but this will show them that you’re serious, and their desire to sell you a car will likely allow you to get the deal that you want when you do this. If you act like you don’t care whether you get the car or not, but let them know that you do like it, you’ll be much better off than if you appear desperate and willing to do whatever it takes to get that car. If you don’t get auto financing before you go into a dealership, you should still stand your ground and be firm in what you want to pay. For example, tell them that you only want to pay ‘x’ amount for a monthly payment for the car that you are interested in, and don’t budge. This will make them work harder to get you the auto finance that you deserve, because they know that they can’t take advantage of you or talk you into something that you can’t afford. As long as you take the time to consider these things, you’ll have no trouble getting the auto financing and the car that you want.


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Business Insurance – Small Business Insurance: Farmers Insurance, business insurance companies.#Business #insurance #companies


Business

Personalized coverage. Personalized service.

Find your industry

Farmers Business Insurance

Whether you’re shopping for commercial insurance, ready to purchase a policy or reviewing your current coverage, we’re here to help you:

  • Research business insurance options by coverage type and industry type.
  • Understand the value Farmers agents and claims representatives add to your experience.
  • Get answers to questions that are often asked by small business owners like you.

    Our goal here is simple: To equip you with information so you can choose the coverage you want for your business.

    Browse coverage types

    Business owners have told us they like the customizable policies Farmers offers — and these are the major components in your robust menu of business insurance options.

    Property – Coverage for risks related to your business’s building, property, inventory or income.

    Liability – Coverage for risks ranging from customer injuries to wrongful termination.

    Crime – Coverage against money and securities theft committed by employees or third parties.

    Auto – Coverage for vehicles you own, lease or rent for business use.

    Workers’ Compensation – Assistance for employees if an injury or illness occurs on the job.

    Umbrella – Additional liability coverage that supplements an underlying policy.

    Life – Coverage that can help attract and retain employees, and prepare for business succession.

    Loss Control – Services that help you increase on-the-job safety and efficiency.

    Additional business insurance options to consider

    You can also explore coverage options with these handy “cheat sheets” that outline industry-specific insurance options for businesses like yours.

    Apartment – For owners of small apartment buildings, large apartment complexes and everything in between.

    Auto Service and Repair – For owners of shops that specialize in collision repair, oil changes, transmission repair and more.

    Commercial Real Estate – For those who own office buildings, retail shopping centers, industrial parks, warehouses and self-storage facilities.

    Education and Non-Profit – For organizations including museums, schools and civic groups.

    Home and Building Service – For independent contractors such as plumbers, electricians, landscapers and painters.

    Homeowners Association – For governing bodies that manage the common areas and other aspects of a homeowners association.

    Hospitality – For the owners of hotels, motels and bed and breakfasts.

    Manufacturing – For companies that manufacture products of virtually any type.

    Office – For the offices of independent professionals such as doctors, lawyers and consultants.

    Religious Organization – For churches, synagogues, mosques, temples and other types of religious organizations.

    Restaurant and Food Truck – For owners of food trucks and quick service, casual and fine dining restaurants.

    Retail Store – For those who own shops such as salons, dry cleaners, boutiques and convenience stores.

    Wholesale – For businesses that provide wholesale goods and services to retail industries.

    Why choose Farmers?

    We’ve spent almost 90 years putting customers first — personalized attention is a hallmark of the Farmers experience.

    The value of a Farmers agent

    Are you shopping for coverage? Ready to get a business insurance quote? Maybe you have a question about a policy or need to file a claim. Our agents are ready to provide service and support.

    The ease of a Farmers claim

    You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

    The experience of Farmers insights

    You’ll probably have a few questions as you research insurance coverage for your small business. If you’re not yet ready to speak with an agent, we might still have the answers you’re looking for. Explore an archive of helpful information here.

    *Subject to policy terms, conditions, limits, and exclusions

    This brief summary is for illustrative purposes only and is not a policy document. Please read the actual policy documents for

    your state for important details on coverages, exclusions, limits, conditions and terms. If there is a conflict between this summary and the policy documents, the policy documents will control. Not all products, coverages, options and discounts are available in every state.


Business Insurance Solutions For Small – Large Businesses, Santam, business insurance companies.#Business #insurance #companies


Business insurance solutions

We understand that every business is unique and that risks differ. Whether you operate a hair salon or a large accounting firm, Santam has nearly 100 years of experience and in-depth expertise to insure your business properly.

Business insurance can seem like a complicated maze, which is why we’ve created a simplified interactive visual of typical business risks.

Brochure

The benefits of insuring your business with us

Santam is the insurer of choice for millions of South Africans countrywide. We help you be safe and stay safe – everywhere you go. If you need five more reasons to choose Insurance good and proper.

Welcome to our blog

Advice, insights and expert opinions for SME owners and managers

Business insurance companies

Hidden costs of starting a new business

Business insurance companies

How to estimate your start-up costs

Business insurance companies

Advice on running a successful business

Business insurance companies

What we cover

Selecting the right insurance for your business is often seen as a difficult, time-consuming task. But while no two businesses are ever exactly the same, there are certain risks that most businesses share in common. To help make selecting the right insurance for you simpler and easier, we’ve created an interactive tool to help highlight the different types of risk your business could potentially face, and the solutions we offer.

Business insurance companies

Goods in transit

Theft or damage to goods in transit is very often out of your control and can happen at any time due to various circumstances, which makes being covered for this risk so important.

Business insurance companies

Vehicles

If it has wheels we can cover it with comprehensive insurance for all types of vehicles from, cars, bakkies, busses, trucks, trailers, caravans and motorcycles.

Business insurance companies

Machinery breakdown

Your machinery may be covered for fire and theft, but we also cover accidental damage to your equipment and machinery and the costs associated with repairing it.

Business insurance companies

Deterioration of stock

Breakdown of machinery may also result in the loss of refrigerated stock, but we have you covered for financial or related loss that may occur.

Insurance for small businesses

We understand that risks differ and that every start-up business is unique. Through a focused small business insurance offering, we will help to ensure that your start-up is properly covered.

Get great deals through our partners

Benefit from the range of Santam service providers that offer exclusive discounts on services that will improve the safety and security of you, your family and possessions.

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Calculator

Use these simple tools to check if your business is sufficiently protected. Having the right cover in place will ensure quick and hassle-free claims in times of need.

Santam app

Manage your business and personal insurance inventory, send and receive instant SOS alerts and track the safety of loved ones with one easy swipe on your smartphone.

In the news

Fires cost South African businesses millions annually

South Africa loses millions of rand to fire each year. The past fire season has seen thousands of people displaced from their homes as a result of fires in the Knysna area while acres of vineyards were destroyed in the Western Cape in January, decimating revenues within the wine industry.

Insuring the wine industry

20 January 2017

The recent spate of fires in the winelands of the Western Cape has again brought the issue of the wine producer’s risk to the fore, with a number of wine farms being adversely affected. Shehnaz Somers, head of commercial underwriting at Santam said the company is still assessing the damage and loss as a result of fires spreading to well-known vineyards and guest farms in the winelands and surrounding areas over the past month.

Business insurance companies

What is the key to small business marketing?

Business insurance companies

What causes the most problems for entrepreneurs?

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What is an entrepreneur’s biggest obstacle?

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What are the biggest lessons you have learnt?

Business insurance companies

Curb excessive sick leave to prevent abuse of the system

Business insurance companies

Doing business in other countries

Business insurance companies

What is the key to small business marketing?

You represent the heart and soul of your small business. The key to your marketing campaign is to share your story proudly, passionately and with sincerity.

Business insurance companies

What causes the most problems for entrepreneurs?

It is impossible to turn your entrepreneurial dreams into reality all by yourself. Find the right partners or trust the experts to help you get the business basics in place right from the start.

Business insurance companies

What is an entrepreneur’s biggest obstacle?

Don’t let the details get in the way of your success. If there’s an opportunity, seize it! Your determination and actions will set the pace for the plan to evolve.

Business insurance companies

What are the biggest lessons you have learnt?

Your passion and skill is what drives your business. But the ultimate key to achievement is patience and know-how to take your small business to a sustainable and successful level into the future.

Business insurance companies

Curb excessive sick leave to prevent abuse of the system

Abuse of sick leave benefits among staff often present huge challenges for employers. Address this issue to prevent the exploitation of the system and increase the productivity of your workforce.

Business insurance companies

Doing business in other countries

Expanding your business across the border? First, find the right legal partner on the other side to help you understand and consider all the legal parameters, practicalities and infrastructure required to support your business.


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Business Insurance – Small Business Insurance, Progressive Commercial, business insurance companies.#Business #insurance #companies


Business Insurance

Customized to meet your specific business needs

Get the right coverage for your small business

From minimum coverage to specialized protection, our flexible options allow you to get your business insured accurately for each stage of your business’s development.

Basic business insurance

Accidents, illnesses, lawsuits If you’re in business, you’re exposed. While the number of risks you’re exposed to is almost unlimited, you might only need a few basic coverages to start out. For example:

  • General liability insurance – All small businesses, old and new, need general liability insurance. It’s basic liability protection that guards against things like accidents, injuries, property damage and lawsuits.
  • Commercial auto insurance – If you use vehicles for work, you’ll need commercial auto insurance to be fully covered. Personal policies don’t usually cover work related incidents. You’ll save up to 5% if you combine this with General Liability! Do you need a commercial auto policy? Find out here.

As your business grows

Most small businesses insurance needs quickly extend beyond basic liability and commercial auto insurance. Certain jobs require specific coverages, employees need protection, and a number of risks fall outside the protection of basic liability coverage.

When insurance coverages are packaged together, it’s often referred to as a Business Owners Policy, or BOP. Additional coverages in a BOP might include:

  • Property – This can protect your commercial buildings and most of your personal property. Both of which are not covered by liability insurance. Liability normally covers other people’s assets, not yours.
  • Business income interruption – If your policy includes coverage for property, you also have protection in the event of business interruption. For example, if you have a property claim that prevents you from operating your business, business income interruption coverage could help pay you for your lost income, employee salaries and rent expenses.
  • Professional liability – Do you give professional advice or provide a professional service? If so, you should probably carry professional liability insurance. This can be endorsed to your BOP.

While technically not part of a BOP, we also offer workers’ compensation insurance to help pay for things like medical costs and lost wages of employees who become ill or injured on the job.

Business insurance for contractors

We cater to the special needs of contractors by offering general liability as a stand-alone coverage for contractors who don’t need a full BOP. Learn more about what we offer contractors.

Business insurance cost

Many factors play a role in determining the cost of business insurance. The most influential usually are profession, number of employees and coverage needs. As you may imagine, these factors can vary greatly from business to business.

Getting a quote is easy! You can start a quote online, or simply call us. We also offer a step-by-step guide on how to get business insurance, and a quoting checklist for information you may need to gather beforehand. Our specialty commercial agents can also help you decide which coverages and limits you need to match your unique business situation.

Types of business insurance

From brick-and-mortar shops to contractors on the go, we insure most types of small businesses such as:

  • Stores
  • Garages
  • Restaurants
  • Manufacturers
  • Janitors
  • Beauty Salons
  • HVAC Services
  • Consultants
  • And many more

More value

In addition to outstanding customer and claims services, we also provide valuable discounts, fast online certificate services, flexible payment options, online bill payment capabilities and more. Call today for a complete rundown.


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Get Small Business Insurance from a Local Agent, Trusted Choice, business insurance companies.#Business #insurance

Small Business Insurance

The SBA defines a small business as one that employs fewer than 500 people. By this definition, there are more than 27 million small businesses currently operating in the United States. These can range from incorporated, self-employed individuals to community banks and construction firms. If you own a small business, it’s a good to consider acquiring the proper insurance to protect your business venture.

If you are one of the millions of entrepreneurial Americans who have started their own businesses, you can turn to an independent agent in the Trusted Choice В® network for guidance when shopping for small business insurance. These agents can work with several different insurance companies to provide you with several policies and premium rates to compare. Contact a member agent near you to start comparing small business insurance quotes today.

U.S. Small Business Statistics

  • There are currently more than 27 million small businesses in the U.S.
  • More than 70% of these businesses are owned and operated by a single person
  • 77 million people, or 57% of this country’s workforce, are employed by small businesses
  • Approximately 70% of all small businesses remain in operation 2 years after inception
  • Approximately 50% of all small businesses remain in operation 5 years after inception
  • 54% of small businesses are home-based

What Types of Insurance Do Small Business Owners Need?

Very small businesses often do not have employees and are therefore exempt from insurance requirements. However, if your company does have employees, you may need the following insurance for small businesses:

  • Workers compensation insurance: This coverage can be purchased either through your state’s worker’s compensation insurance program or through a commercial insurance agent. Refer to the guidelines set by your state or speak with an agent in the Trusted Choice network for more information.
  • Unemployment insurance: This coverage is paid for through unemployment insurance taxes collected by your state. Once you establish and register your business with your state’s workforce agency, you will begin paying this tax.
  • Disability insurance: Small business owners are currently only required to purchase this insurance for their employees if they are located in one of the following six locations: California, Hawaii, New Jersey, New York, Rhode Island or Puerto Rico. Otherwise, this coverage is optional.
  • Medical insurance: Under the recently passed Affordable Healthcare Act, small businesses that employ more than 50 people could be required to purchase healthcare coverage plans for employees. Medical insurance for small business does not have to be unmanageably expensive. A Trusted Choice member agent can help you find insurance providers that offer affordable rates through group insurance for small business.

Regardless of whether or not you have employees, you may want to consider the optional coverage provided by a small business insurance policy.

What Is Small Business Insurance?

Small business insurance is an optional insurance plan that provides you with the coverage necessary to keep your business operational, especially in the aftermath of a catastrophe or a lawsuit. Catastrophes can include fires, major weather events, and accidents with extreme losses. Lawsuits can also devastate your business. These insurance plans can be customized to meet the inherent risks faced by your particular business.

Nearly half of all businesses that are forced to temporarily stop operations because of a natural disaster fail within 5 years. Of those that are unable to resume operations within 10 days, nearly 80 percent close within one month. A solid business insurance policy can prevent this from happening by allowing your small business to remain profitable, even in the face of disaster.

Small Business Insurance Protects Against Property Loss and Damage

There are many different kinds of small businesses, all with varying degrees of property coverage needs. Here are some considerations:

  • If your company is home-based and your business equipment and materials have a value lower than $2,500, you might be best served by purchasing a business property rider on your homeowners or renters insurance policy.
  • If your assets are between $2,500 and $10,000, a home-business insurance policy may be your best choice.
  • If your property coverage demands exceed this amount or your business is located outside of your home, you will most likely need the protection of a small business insurance policy.

  • If you own the building in which your business is located, you will want to make sure that you purchase enough insurance to cover the structure of the building as well as any contents within. This coverage will provide the compensation necessary to repair or replace lost, damaged or stolen materials and equipment.
  • These policies almost always exclude damages caused by floods, so you will want to consider purchasing a flood insurance policy as well.
  • An agent in the Trusted Choice network can provide you with more information about various property coverage options as well as flood insurance policies, and help you choose the right small business insurance for your unique needs.

    Small Business Insurance Protects Against Liability

    Small business liability insurance is one of the most important components of your commercial policy. Different industries have different liability risks, and for this reason, small business insurance policies can be customized. You need only purchase the type or types of liability coverage you require. Your small business liability insurance options can include:

    • General liability: This covers most liability claims that may be brought against you. It protects against payments for bodily injury, property damage, libel and slander. It will also cover court costs and legal fees associated with covered events.
    • Professional liability: This coverage is also known as errors and omissions insurance. It protects your business from liability claims due to malpractice, negligence and errors. Some states may require certain businesses, such as those in the medical field, to have this coverage.
    • Product liability: This is important for companies that manufacture, distribute or sell products. If a product defect results in illness or injury, your company may be sued. This will provide coverage for this type of lawsuit.

    Your small business liability insurance rates will depend on how much coverage you purchase and the likelihood that your business will face liability charges.

    Insurance for Small Business Offers Other Coverage Options

    Small business insurance policies can be customized to fit your business plan. Some other coverage options include:

    • Loss of income insurance: If your business is forced to temporarily cease operations because of a covered event, this coverage can provide you with continued income so that you can pay employees and cover your monthly bills and expenses. This coverage is usually limited to one year.
    • Fidelity insurance: This coverage will shield you from losses resulting from the illegal actions of an employee, such as theft or embezzlement.
    • Commercial vehicle insurance: If you drive a car, taxi, truck, delivery van or other vehicle for your small business, you will typically need a commercial vehicle policy to cover your risks. If your employees drive while on the job, you will also need this coverage.

    Find the Right Insurance Policy for Your Small Business

    Small business insurance policies are as varied as the many different businesses that need them. An independent agent in the Trusted Choice network can help you assess your risks and build a policy that meets your coverage needs.

    Working with a member agent, you can quickly compile online small business insurance quotes, as well as quotes from other insurance companies your agent works with. Member agents have relationships with several different top-rated insurance companies, unlike captive agents who can only sell the products of one insurer. Contact an agent close to your home or business today to start comparing small business insurance quotes.


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    Advice and ideas for UK small businesses, small companies.#Small #companies


    small companies

    At Small Business Grants, we are pleased to reveal the shortlist of six companies to be considered by our panel

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    The Vitesse Network

    Further Information

    Small companies WordPress Development Agency London & Guildford

    Vitesse Media Plc, 14 Bonhill Street, London EC2A 4BX T. 0207 250 7010


    Tags : ,

    Advice and ideas for UK small businesses, small companies.#Small #companies


    small companies

    At Small Business Grants, we are pleased to reveal the shortlist of six companies to be considered by our panel

    UK businesses for sale: A review of what’s on the market

    In this piece in association with BusinessesForSale.com, we look at a selection of exciting UK businesses for

    Can you have a Silicon Valley office on an SME budget?

    When we think about great office spaces, we often think of Google, Facebook, AirBnB, Apple, and various other tech giants.

    British Small Business Awards 2017: The winners

    It was a pleasure to welcome our guests to the second annual British Small Business Awards at the Grand Connaught

    Women will effectively work for free for the rest of 2017

    Consider this: if someone asked you to continue doing your job for free until the end of the year, would

    Entrepreneurial Brits: 80 per cent want start their own business

    There were 644,750 company incorporations in the UK in the twelve months to 31 March 2017 and with the popularity

    Small businesses in the UK worth an average of £90,000

    The average UK small business is worth £90,000 in 2017 – down £4,000 on 2016 – according to research by

    Ca-nine to five: One in five British workplaces allow pets in the office

    According to new research, one-fifth of British workplaces now allow employees to bring pets into the office, yet a similar

    Lessons learnt from the Ryanair flights crisis

    In this SmallBusiness monthly series of ‘Lessons Learnt’, Jennifer Janson, author of The Reputation Playbook and chairman of

    Gender savings gap: Half of female workers unprepared for retirement

    More than half of female employees admit to feeling financially unprepared for their retirement, as evidence emerges of a gender

    Choosing the right supplier

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    Generation Z poses new challenges for online fashion retailers

    The latest generation to hit the shops in earnest has very different expectations from their parents, online research commissioned by

    Businesses and employees demand protection for gig workers

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    The Vitesse Network

    Further Information

    Small companies WordPress Development Agency London & Guildford

    Vitesse Media Plc, 14 Bonhill Street, London EC2A 4BX T. 0207 250 7010


    Tags : ,

    Small Business, small companies.#Small #companies


    small companies

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    Tags : ,

    Get Small Business Insurance from a Local Agent, Trusted Choice, business insurance companies.#Business #insurance

    Small Business Insurance

    The SBA defines a small business as one that employs fewer than 500 people. By this definition, there are more than 27 million small businesses currently operating in the United States. These can range from incorporated, self-employed individuals to community banks and construction firms. If you own a small business, it’s a good to consider acquiring the proper insurance to protect your business venture.

    If you are one of the millions of entrepreneurial Americans who have started their own businesses, you can turn to an independent agent in the Trusted Choice В® network for guidance when shopping for small business insurance. These agents can work with several different insurance companies to provide you with several policies and premium rates to compare. Contact a member agent near you to start comparing small business insurance quotes today.

    U.S. Small Business Statistics

    • There are currently more than 27 million small businesses in the U.S.
    • More than 70% of these businesses are owned and operated by a single person
    • 77 million people, or 57% of this country’s workforce, are employed by small businesses
    • Approximately 70% of all small businesses remain in operation 2 years after inception
    • Approximately 50% of all small businesses remain in operation 5 years after inception
    • 54% of small businesses are home-based

    What Types of Insurance Do Small Business Owners Need?

    Very small businesses often do not have employees and are therefore exempt from insurance requirements. However, if your company does have employees, you may need the following insurance for small businesses:

    • Workers compensation insurance: This coverage can be purchased either through your state’s worker’s compensation insurance program or through a commercial insurance agent. Refer to the guidelines set by your state or speak with an agent in the Trusted Choice network for more information.
    • Unemployment insurance: This coverage is paid for through unemployment insurance taxes collected by your state. Once you establish and register your business with your state’s workforce agency, you will begin paying this tax.
    • Disability insurance: Small business owners are currently only required to purchase this insurance for their employees if they are located in one of the following six locations: California, Hawaii, New Jersey, New York, Rhode Island or Puerto Rico. Otherwise, this coverage is optional.
    • Medical insurance: Under the recently passed Affordable Healthcare Act, small businesses that employ more than 50 people could be required to purchase healthcare coverage plans for employees. Medical insurance for small business does not have to be unmanageably expensive. A Trusted Choice member agent can help you find insurance providers that offer affordable rates through group insurance for small business.

    Regardless of whether or not you have employees, you may want to consider the optional coverage provided by a small business insurance policy.

    What Is Small Business Insurance?

    Small business insurance is an optional insurance plan that provides you with the coverage necessary to keep your business operational, especially in the aftermath of a catastrophe or a lawsuit. Catastrophes can include fires, major weather events, and accidents with extreme losses. Lawsuits can also devastate your business. These insurance plans can be customized to meet the inherent risks faced by your particular business.

    Nearly half of all businesses that are forced to temporarily stop operations because of a natural disaster fail within 5 years. Of those that are unable to resume operations within 10 days, nearly 80 percent close within one month. A solid business insurance policy can prevent this from happening by allowing your small business to remain profitable, even in the face of disaster.

    Small Business Insurance Protects Against Property Loss and Damage

    There are many different kinds of small businesses, all with varying degrees of property coverage needs. Here are some considerations:

    • If your company is home-based and your business equipment and materials have a value lower than $2,500, you might be best served by purchasing a business property rider on your homeowners or renters insurance policy.
    • If your assets are between $2,500 and $10,000, a home-business insurance policy may be your best choice.
    • If your property coverage demands exceed this amount or your business is located outside of your home, you will most likely need the protection of a small business insurance policy.

  • If you own the building in which your business is located, you will want to make sure that you purchase enough insurance to cover the structure of the building as well as any contents within. This coverage will provide the compensation necessary to repair or replace lost, damaged or stolen materials and equipment.
  • These policies almost always exclude damages caused by floods, so you will want to consider purchasing a flood insurance policy as well.
  • An agent in the Trusted Choice network can provide you with more information about various property coverage options as well as flood insurance policies, and help you choose the right small business insurance for your unique needs.

    Small Business Insurance Protects Against Liability

    Small business liability insurance is one of the most important components of your commercial policy. Different industries have different liability risks, and for this reason, small business insurance policies can be customized. You need only purchase the type or types of liability coverage you require. Your small business liability insurance options can include:

    • General liability: This covers most liability claims that may be brought against you. It protects against payments for bodily injury, property damage, libel and slander. It will also cover court costs and legal fees associated with covered events.
    • Professional liability: This coverage is also known as errors and omissions insurance. It protects your business from liability claims due to malpractice, negligence and errors. Some states may require certain businesses, such as those in the medical field, to have this coverage.
    • Product liability: This is important for companies that manufacture, distribute or sell products. If a product defect results in illness or injury, your company may be sued. This will provide coverage for this type of lawsuit.

    Your small business liability insurance rates will depend on how much coverage you purchase and the likelihood that your business will face liability charges.

    Insurance for Small Business Offers Other Coverage Options

    Small business insurance policies can be customized to fit your business plan. Some other coverage options include:

    • Loss of income insurance: If your business is forced to temporarily cease operations because of a covered event, this coverage can provide you with continued income so that you can pay employees and cover your monthly bills and expenses. This coverage is usually limited to one year.
    • Fidelity insurance: This coverage will shield you from losses resulting from the illegal actions of an employee, such as theft or embezzlement.
    • Commercial vehicle insurance: If you drive a car, taxi, truck, delivery van or other vehicle for your small business, you will typically need a commercial vehicle policy to cover your risks. If your employees drive while on the job, you will also need this coverage.

    Find the Right Insurance Policy for Your Small Business

    Small business insurance policies are as varied as the many different businesses that need them. An independent agent in the Trusted Choice network can help you assess your risks and build a policy that meets your coverage needs.

    Working with a member agent, you can quickly compile online small business insurance quotes, as well as quotes from other insurance companies your agent works with. Member agents have relationships with several different top-rated insurance companies, unlike captive agents who can only sell the products of one insurer. Contact an agent close to your home or business today to start comparing small business insurance quotes.


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