Tag: insurance

Commercial – Business Liability Insurance #franchise #business

#business liability insurance

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Business Liability Insurance

Minimize Your Business Risks with Commercial Liability Insurance

Everyone makes mistakes, and unintentional accidents in your business may lead to injuries that can be physical, financial, or psychological. Anyone who comes in contact with you or your employees can file a claim or lawsuit against you for many reasons, from funds needed for ongoing medical attention to unfulfilled promises stated in a business contract.

Business Liability insurance helps your business stand strong through challenging situations by covering the associated cost of legal defense and legal damages you are obligated to pay, up to the policy limits selected. Connect with a Farmers insurance agent who’s an expert in working with business owners, and select from a wide range of options that fit your individual business insurance needs.

Many scenarios, one solid, customized solution

Your unique business faces a wide range of unpredictability, and Farmers Business Liability insurance can help businesses mitigate potentially devastating lawsuits. Coverage examples include:

Premises and Operations

A customer at the store you own trips over a fixture and sustains a significant injury from the fall. Bills for the hospital visits are submitted to you for payment. Farmers Business Liability Insurance can cover these charges, as well as the business owner, should he be sued by the customer for negligence.

Products and Completed Operations

The deck you built a year ago was flawed, causing a new building owner fiscal disaster. A legal notice appears in the mail informing you of a lawsuit. The case goes to court and your former client wins. Farmers Business Liability insurance can handle the defense costs and, if it comes to it, the legal damages for which the policyholder is responsible.

Cyber Liability and Data Breach

You don’t know why or how, but your computer system has been hacked. And now all your confidential business and customer data could be online, free to trade and impersonate. The least of your worries is finding the source of the data breach and repairing exposed computers. Your focus is now on damage control and possibly recovering stolen data. Fortunately, your Cyber Liability insurance coverage can help provide you with legal and forensic assistance, as well as free data security risk management services for your customers.

Employment Practices Liability

If you’ve been in business for a few years or operate in an industry with high turnover rates, you’ve likely hired many employees, whether temporary or full-time. The truth of the matter is that any of these employees can bring legal action against your business at any time. Farmers Employment Practices Liability insurance can help cover your business entity, directors, officers and employees if you are accused of wrongful termination, harassment, discrimination, and other employment-related offenses.

When it comes to liability, it’s not all business, either. If you own a sole proprietorship or partnership and don’t have Business Liability insurance coverage and your business income can’t cover the entire cost of a claim or lawsuit, the rest of the funds might have to come from your personal assets. In some situations, corporation owners can even fall victim to personal liability. Therefore, it pays to have liability insurance that’s right for your business in more ways than one.

Your Safety and Satisfaction are Number One

Not only does Farmers offer some of the best, personalized service and fast, expert claims handling in the business, but it also makes help available to your business to prevent incidents from recurring and/or mitigate potential future losses. Farmers has highly trained loss-prevention experts on staff who can guide you through educational safety programs and provide supporting materials designed to help improve employee awareness. Contact an agent to get more details today.

Browse coverage for your specific industry





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Compare Cheap Business Insurance Quotes Online at #business #first

#business insurance quote

#

Business insurance

Compare quotes with Simply Business, [1] our preferred provider for business insurance

  • Compare quotes from Axa, Zurich, Hiscox, Groupama, Brit and more
  • Cover for public and employers’ liabilty, buildings, contents, tools and equipment
  • Buy online or speak to an insurance specialist in a UK-based contact centre

What should I look for with business liability insurance?

A good liability insurer should pay towards your legal costs for defending any claim made against you, insure you for compensation claims made against you, and offer you both public and employers’ liability insurance as a package, if you need both Maxine Frances, journalist

  • Is your business protected with employers’ liability cover?

    If an employee is injured or they contract a disease as a result of, or in the course of their employment, they are entitled to claim compensation from the business if it can be proven that the employer was at fault. Employers’ liability covers the cost of the compensation along with any legal fees you might incur if you had to defend the case against you Gocompare.com

  • What does public liability insurance cover?

    Public liability insurance protects you from claims against your business by members of the public. For example, if you damage a client’s property, if a customer has an accident on your premises, or if you provide any advice or service for a fee Maxine Frances, journalist

  • How much does liability insurance cost?

    Most liability cover is based on an annual fee, how much you pay will depend on the size and nature of your business and how many employees you have. It will make a difference if you are a sole trader, partnership or limited company. Your premium may change if you make more claims or if the nature of your industry changes Maxine Frances, journalist

  • How long does liability insurance offer protection for?

    Check your terms and conditions, but some insurers will cover you for incidents before and after the start and end date of your policy. This is important if you’re working in an industry where results tend to be measured in the long rather than the short term Maxine Frances, journalist

  • Does your car insurance cover your business usage?

    If workers use their own cars while on company business, no matter how infrequently, we would urge them to check their policy to make sure they are properly insured. Employers should talk to workers about the necessity of having the correct level of cover before they undertake any business journeys in a private car Scott Kelly, car insurance expert

  • How can we help you with business insurance today?

    With the help of our partners Simply Business [1] we can find you the right business insurance quickly, easily and at the right price, leaving you with more time to concentrate on the things that make your business great.

    Need more information?

    Our easy-to-use forms will ask for basic details about your business and the level of cover you require, including whether you need public/product liability insurance, professional indemnity cover, buildings insurance, revenue protection/business interruption cover, and protection for your business/office equipment and/or stock.

    You’ll need to answer questions about any claims made by your firm in the last five years, and about any that may be pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed information about your company and its work.

    You will then either be presented with your quotes online, or – if your circumstances do not allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Did you know.


    • Employers’ liability insurance is compulsory for businesses that have one or more staff
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    Should you have any problems, or if you just want to speak to an expert before making your decision, then a Simply Business insurance specialist will be available from a UK-based contact centre.

    We’ve also got more information available on the factors you need to consider in our business insurance guides, where you’ll find the answers to frequently asked questions.

    In the guides, our introduction to business insurance can help you with areas such as whether you need such protection, sensible levels of cover, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    You’ll also find dedicated pages on public liability insurance, professional indemnity insurance and employers’ liability insurance, plus information on areas such as goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    Business features from Covered mag

    The car industry’s top women


  • What will Brexit actually mean?


  • Making Tax Digital: what does it mean?


  • Five inspiring entrepreneurs over 50


  • Brexit: should Britain leave the EU?


  • How to succeed as a young entrepreneur

    Are pop-up shops losing their edge?

    How to make money from your home

    [1] Gocompare.com introduces customers to Simply Business which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Simply Business is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Gocompare.com Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2016 Gocompare.com Ltd. All Rights Reserved.

    By using the Gocompare.com website you agree to our use of cookies as described in our cookie policy. OK Learn more





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  • Types of Business Insurance #successful #business #ideas

    #small business insurance

    #

    Insurance coverage is available for every conceivable risk your business might face. Cost and amount of coverage of policies vary among insurers. You should discuss your specific business risks and the types of insurance available with your insurance agent or broker. Your agency can advise you on the exact types of insurance you should consider purchasing.

    General Liability Insurance

    Business owners purchase general liability insurance to cover legal hassles due to accident, injuries and claims of negligence. These policies protect against payments as the result of bodily injury, property damage, medical expenses, libel, slander, the cost of defending lawsuits, and settlement bonds or judgments required during an appeal procedure.

    Product Liability Insurance

    Companies that manufacture, wholesale, distribute, and retail a product may be liable for its safety. Product liability insurance protects against financial loss as a result of a defect product that causes injury or bodily harm. The amount of insurance you should purchase depends on the products you sell or manufacture. A clothing store would have far less risk than a small appliance store, for example.

    Professional Liability Insurance

    Business owners providing services should consider having professional liability insurance (also known as errors and omissions insurance ). This type of liability coverage protects your business against malpractice, errors, and negligence in provision of services to your customers. Depending on your profession, you may be required by your state government to carry such a policy. For example, physicians are required to purchase malpractice insurance as a condition of practicing in certain states.

    Commercial Property Insurance

    Property insurance covers everything related to the loss and damage of company property due to a wide-variety of events such as fire, smoke, wind and hail storms, civil disobedience and vandalism. The definition of “property” is broad, and includes lost income, business interruption, buildings, computers, company papers and money.

    Property insurance policies come in two basic forms: (1) all-risk policies covering a wide-range of incidents and perils except those noted in the policy; (2) peril-specific policies that cover losses from only those perils listed in the policy. Examples of peril-specific policies include fire, flood, crime and business interruption insurance. All-risk policies generally cover risks faced by the average small business, while peril-specific policies are usually purchased when there is high risk of peril in a certain area. Consult your insurance agent or broker about the type of business property insurance best suited for your small business.

    Home-Based Business Insurance

    Contrary to popular belief, homeowners’ insurance policies do not generally cover home-based business losses. Depending on risks to your business, you may add riders to your homeowners’ policy to cover normal business risks such as property damage. However, homeowners’ policies only go so far in covering home-based businesses and you may need to purchase additional policies to cover other risks, such as general and professional liability.





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    Small Business Insurance #small #business #owner

    #small business insurance

    #

    Business Insurance

    Why Choose Business Insurance from The Hartford?

    Whether you require business insurance for a small business, a mid-size operation or a large corporate enterprise, The Hartford s business insurance specialists can help you tailor a solution to address the risks typical of your industry and unique to your company.

    Our business insurance teams specialize by industry and business size so small businesses get the attention they deserve from dedicated small business insurance specialists, while larger businesses work with industry specialists experienced in middle or large commercial risks.

    Helping large and small businesses through unexpected events has been a priority for The Hartford for more than 200 years. Today, we are a leading provider of business insurance solutions designed to meet the unique needs of small businesses and large commercial enterprises across a wide range of industries.

    • More than 1 million small business owners trust The Hartford for their small business insurance.
    • For more than 30 years, The Hartford has had a team of small business insurance specialists dedicated to serving small businesses.
    • Our claims experience consistently earns industry leading ratings and reviews from our small business insurance customers and our middle and large business clients.
    • Ethisphere Institute named The Hartford a World s Most Ethical Company for the eighth time in 2016.

    These are just some of the reasons you can trust The Hartford to help protect your business. Be confident that you can prevail against the unexpected; talk to your agent or a business insurance specialist at The Hartford and get a quote on your business insurance policy. For small business insurance, many small businesses can even get a quote online.

    Tailor your business insurance coverage.

    For more than 200 years, The Hartford has helped insure small businesses and larger entities through calamities, crises, and unexpected events. We have deep experience insuring large and small businesses, a broad array of business insurance coverage options and specialists who are eager to help you tailor a solution that s right for your company.

    To learn more about the range of insurance coverages The Hartford offers small businesses and larger operations, visit our Business Insurance Coverages page or go directly to a specific coverage:

    Looking for Business Insurance Coverage?

    The Hartford makes it easy to get a business insurance quote online or through an agent.

    The company we keep.

    How do you know The Hartford is the right choice for your business insurance needs? Just check out the company we keep!

    Renowned and respected organizations and associations have partnered with us to offer The Hartford s small business insurance coverage to their members. Learn more about organizations that are proud to team up with us on our commitment to help small businesses prevail through the unexpected with small business insurance coverage from The Hartford.

    Beyond small business insurance coverage, our small business customers get access to valuable services through these trusted partners .

    Looking for Business Insurance Coverage?

    The Hartford makes it easy to get a business insurance quote online or through an agent.

    The Hartford is here when you need us.

    Four out of ten small businesses are likely to have a property or general liability claim within the next ten years, according to an analysis of The Hartford s small business insurance claims. That s why The Hartford is here 24/7 to help small businesses recover from property damage, professional errors, weather events, accidents, data loss, theft, employee-related issues and other risks.

    Online or by phone, you can reach an experienced claims specialist who is dedicated to getting you the help you need to get your small business back up and running as quickly as possible.

    Helping customers like you prevail.

    Jenny and Marc Seguinot uncovered an embezzlement scheme at their law firm. They generously share their story of how The Hartford and their small business insurance policy helped them recover from their loss and regain their confidence.

    Looking for Business Insurance Coverage?





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    Business Health Insurance Solutions #business #plan #writers

    #business health insurance

    #

    Products Designed for the Size of your Business

    Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC). In Arizona, individual HMO plans are insured by Cigna HealthCare of Arizona, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Group Universal Life (GUL) insurance plans are insured by CGLIC. Life (other than GUL), accident, critical illness, hospital indemnity, and disability plans are insured or administered by Life Insurance Company of North America, except in NY, where insured plans are offered by Cigna Life Insurance Company of New York. All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.

    Selecting these links will take you away from Cigna.com. Cigna does not control the linked sites’ content or links. Details

    Cigna. All rights reserved.

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    Private health insurance for smaller businesses #business #opportunity

    #business health insurance

    #

    Private health insurance

    There is important information on this page that may be difficult to read on a small screen device. You may wish to switch to a larger display.

    5 Star rated small business health insurance with one month free

    Staying healthy is important, especially if you’re running your own small business. Our private health insurance product, Solutions. is great value for money if you have 2-99 employees and it s really easy to set up.

    Our Defaqto 5 Star rated private health insurance product lets you choose which benefits you’d like to have along with:

    • Your first month free – As long as you haven t had a private healthcare policy with us in the last 12 months and you agree to hold the cover for a whole year, we ll give you 1 month free cover. This applies to the first year of your policy.

    Our health insurance policy helps employees get back on their feet and back to work as soon as possible. Here is what our Solutions product can do for you:

    • Offer the right treatment, at the right time – You’ll get support from us that may help your employees get back to work faster. That means early diagnosis and prompt access to expert medical treatment at a time that suits them, anywhere in the UK at a hospital on your chosen hospital list. See which hospitals you can use (PDF 1.70MB)
    • BacktoBetter – Solutions includes our innovative musculoskeletal case management service as standard within core cover. Helping get employees back to work faster if they need to claim for pain in the back, neck, muscles or joints (musculoskeletal (MSK) conditions).
    • Access to the latest drugs and treatments – Solutions covers all the latest medicines and therapies, as long as there s medical evidence to show they can work. Our clinical experts keep us up to date, so you get the best possible treatment.
    • Dedicated cancer support – We can take care of everything, from the first phone call for a claim right through to sensitive, ongoing aftercare. Read more about our cancer pledge .
    • A 24-hour GP helpline – Your employees can call a fully qualified GP day or night, so they may not need time off work to get medical advice. They can also call about other family members, which is really useful if they have small children.
    • A 24-hour stress counselling helpline – As stress is a growing cause of absence we give all our Solutions customers access to a stress counselling helpline. Your employees can call any time day or night, and talk for as long as they wish to an experienced counsellor. This helpline is available to members aged 16 or over.
    • Pay for the benefits you want Solutions allows you to enhance or reduce your cover depending on the needs of the business.
    • Decide who gets which benefits – Choose different levels of cover for different groups of employees. You could increase benefits for yourself and senior staff, and include your family on the same policy too.
    • Aviva Advantages – Your employees will also be given access to Aviva Advantages, where they’ll find lots of rewards and money saving offers – not just on personal Aviva products (such as car or home insurance) but with 100s of our partners too.

    For more private health insurance details please see what can this product cover or call us on 0800 158 5182 and talk to one of our friendly team. Calls to and from Aviva may be monitored and/or recorded.

    1 month free cover

    Contact us





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    Top 5 Health Insurance Options for Small Groups in 2016 #boston #business #journal

    #business health insurance

    #

    For many employers and brokers, the Affordable Care Act can feel like a moving target. However, for small groups with fewer than 50 employees who are not mandated to provide health insurance, the options for small group health insurance are clearer.

    In 2016, small groups have five main options for health insurance:

    Individual Health Insurance (with or without a defined contribution allowance)

    Private Small Group Plan

    1) Individual Health Insurance (with or without a defined contribution allowance)

    The first option is a relatively simple approach, yet it achieves results: allow employees to purchase individual health insurance coverage, either through the public Marketplace or through a broker. Employees may select from any carrier and plan available, and eligible employees may access discounts on their premiums via the individual health insurance tax credits.

    If the small group would like to contribute to employee’s premium expenses, they can use defined contribution allowances to reimburse employees for the non-subsidized portion of their premium. (This is still allowed as long as the employer goes about it the right way .)

    Additionally, defined contribution allowances can be allocated by job criteria (e.g. $300/month to managers and $200/month to entry-level). For many small groups, this is the most cost-effective solution because the small group can contribute any amount and, on average, individual policies cost less than small group plans.

    Brokers are generally involved to facilitate the setup of the defined contribution allowances (usually, via an online software provider), sell the individual policies to employees, and be a consultant for the small group. The ideal business for this solution is a small group who is priced out of group health insurance, not eligible for group health insurance, wants to start offering health benefits for the first time, or who doesn’t have the administrative capacity to administer a group health insurance plan.

    2) SHOP Marketplace

    The SHOP Marketplaces are public state- or federally-run exchanges which sell small group health insurance policies. The SHOP Marketplace could be a good coverage option for employers with 50 or fewer employees if they can meet certain requirements. For example, in Massachusetts employers participating in the SHOP must contribute at least 50 percent of the premium amount, employers with 1-5 employees must have 100 percent of the employees enrolled, and employers with 6-50 employees must have at least 75 percent enrolled.

    For eligible small groups, the SHOP Marketplace gives access to the small business tax credits which are generally only available through the SHOP. Brokers registered with the Marketplace can help small groups select and purchase the plan, just as brokers would with private small group plans.

    3) Private Health Exchange

    Like defined contribution, the term “private exchange” is one of the biggest buzzwords of the past few years. With a private exchange the small group gives employees a set contribution to use towards a menu of plan options. The plan options can be individual- or group-based. Private exchanges are a type of a defined contribution strategy.

    Brokers can offer a private exchange option to small groups by working with a defined contribution or private exchange provider. Numerous entities ranging from startups to new divisions of leading insurance companies have been created to offer new private health exchanges and companies like Walgreens are adopting this approach. If you’re a broker, see: How to Offer a Private Health Exchange in 3 Steps .

    4) Co-Op

    Joining a co-op for health insurance is a more traditional approach for small groups. The idea is the co-op increases buying power and spreads the risk to a larger group. Each co-op is structured differently, and whether the co-op offers better insurance rates than the small group could get on the open market or SHOP depends on regional insurance underwriting laws and the co-op itself.

    5) Private Small Group Plan

    Purchasing a private small group plan is also still an option for small groups. Small groups may find more options and carriers to choose from on the private market as compared to the SHOP, where some states only have one or two plans to choose from. Read more small business health insurance trends here.

    The Future of Small Group Health Insurance?

    Every day I hear from small business owners and their brokers about the challenges of a traditional small group health insurance plan – with the primary challenge being cost. As such, it is not surprising to hear that only half (54 percent ) of small and medium sized businesses do not offer traditional insurance today.

    Which is why I’d argue that #1 (individual health insurance with defined contribution allowances) and #2 (private exchanges paired with individual health insurance) are the best health insurance options for small groups in 2016.

    Editor’s Note: This post was originally published in November 2013 under the title, “Top 5 Health Insurance Options for Small Groups in 2014.”

    Do you agree or disagree? What questions do you have? Leave a comment below.





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    Compare Cheap Business Insurance Quotes Online at #business #internet

    #business insurance quote

    #

    Business insurance

    Compare quotes with Simply Business, [1] our preferred provider for business insurance

    • Compare quotes from Axa, Zurich, Hiscox, Groupama, Brit and more
    • Cover for public and employers’ liabilty, buildings, contents, tools and equipment
    • Buy online or speak to an insurance specialist in a UK-based contact centre

    What should I look for with business liability insurance?

    A good liability insurer should pay towards your legal costs for defending any claim made against you, insure you for compensation claims made against you, and offer you both public and employers’ liability insurance as a package, if you need both Maxine Frances, journalist

  • Is your business protected with employers’ liability cover?

    If an employee is injured or they contract a disease as a result of, or in the course of their employment, they are entitled to claim compensation from the business if it can be proven that the employer was at fault. Employers’ liability covers the cost of the compensation along with any legal fees you might incur if you had to defend the case against you Gocompare.com

  • What does public liability insurance cover?

    Public liability insurance protects you from claims against your business by members of the public. For example, if you damage a client’s property, if a customer has an accident on your premises, or if you provide any advice or service for a fee Maxine Frances, journalist

  • How much does liability insurance cost?

    Most liability cover is based on an annual fee, how much you pay will depend on the size and nature of your business and how many employees you have. It will make a difference if you are a sole trader, partnership or limited company. Your premium may change if you make more claims or if the nature of your industry changes Maxine Frances, journalist

  • How long does liability insurance offer protection for?

    Check your terms and conditions, but some insurers will cover you for incidents before and after the start and end date of your policy. This is important if you’re working in an industry where results tend to be measured in the long rather than the short term Maxine Frances, journalist

  • Does your car insurance cover your business usage?

    If workers use their own cars while on company business, no matter how infrequently, we would urge them to check their policy to make sure they are properly insured. Employers should talk to workers about the necessity of having the correct level of cover before they undertake any business journeys in a private car Scott Kelly, car insurance expert

  • How can we help you with business insurance today?

    With the help of our partners Simply Business [1] we can find you the right business insurance quickly, easily and at the right price, leaving you with more time to concentrate on the things that make your business great.

    Need more information?

    Our easy-to-use forms will ask for basic details about your business and the level of cover you require, including whether you need public/product liability insurance, professional indemnity cover, buildings insurance, revenue protection/business interruption cover, and protection for your business/office equipment and/or stock.

    You’ll need to answer questions about any claims made by your firm in the last five years, and about any that may be pending.

    Depending on the sort of cover you choose, you may also be asked for some more detailed information about your company and its work.

    You will then either be presented with your quotes online, or – if your circumstances do not allow for an instant quote – your details will be passed on to an insurance specialist to look at.

    Did you know.


    • Employers’ liability insurance is compulsory for businesses that have one or more staff
    • Glass and shutters insurance can cover replacement following accidental or malicious damage

    Should you have any problems, or if you just want to speak to an expert before making your decision, then a Simply Business insurance specialist will be available from a UK-based contact centre.

    We’ve also got more information available on the factors you need to consider in our business insurance guides, where you’ll find the answers to frequently asked questions.

    In the guides, our introduction to business insurance can help you with areas such as whether you need such protection, sensible levels of cover, differences if you’re a landlord or a tenant, options for working from home, and insurance for your business assets and equipment.

    You’ll also find dedicated pages on public liability insurance, professional indemnity insurance and employers’ liability insurance, plus information on areas such as goods in transit cover, business travel insurance, business interruption cover, commercial legal insurance, fidelity guarantees, and insurance cover for tools, data processing, engineering, credit, loss of cash, and glass and shutters.

    Business features from Covered mag

    The car industry’s top women


  • What will Brexit actually mean?


  • Making Tax Digital: what does it mean?


  • Five inspiring entrepreneurs over 50


  • Brexit: should Britain leave the EU?


  • How to succeed as a young entrepreneur

    Are pop-up shops losing their edge?

    How to make money from your home

    [1] Gocompare.com introduces customers to Simply Business which is authorised and regulated by the Financial Conduct Authority. Gocompare.com’s relationship with Simply Business is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

    Gocompare.com Limited is authorised and regulated by the Financial Conduct Authority (FCA) for insurance mediation activity under firm reference number 465053. You may check this on the Financial Services Register by visiting the FCA website. Gocompare.com Limited is registered in England and Wales (Company No. 5799376). Registered office: Imperial House, Imperial Way, Newport, Gwent, NP10 8UH, United Kingdom. Copyright 2006-2016 Gocompare.com Ltd. All Rights Reserved.

    By using the Gocompare.com website you agree to our use of cookies as described in our cookie policy. OK Learn more





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  • Business Liability Insurance from Nationwide #small #business #finance

    #business insurance quotes

    #

    Liability Insurance Can Help Protect Your Business from the Unknown

    With the day-to-day uncertainties of business management, liability insurance is something you cannot do without. Accidents happen – on site, off site, with employees and with customers – no matter how much you’ve planned. It is a critical part of any insurance portfolio, regardless of your industry.

    Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. It can also offer protection against situations that may not have even crossed your mind. For example, any individual or business providing an opinion, making recommendations, designing products/solutions or offering a service is at risk for a professional liability lawsuit. Nationwide can help with defense costs, regardless of fault, as well as protection for judgments, court costs and more.

    Nationwide offers great basic plans that can be easily customized with a wide variety of options so you can select the coverage you need. We understand that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business.

    You can enhance a basic policy with additional commercial liability insurance options, known as endorsements, that meet the specific needs of your business.

    Hired and Non-owned Auto Liability Insurance

    Provides auto liability coverage for short-term auto rental or for employees using their personal auto during the course of business.

    Umbrella Policies

    Extends coverage over and above your other liability coverage. Designed to protect against unusually high losses when the policy limits of one of the underlying policies have been used up.

    Product and Completed Operations Liability Insurance

    Provides protection for bodily injury and property damage that occurs away from your premises that are caused by your products or your work. The amount of coverage and the level of risk depend on your business type.

    Employment-Related Practices Liability Insurance

    Covers wrongful termination, wrongful refusal to employ, invasion of privacy or defamation claims made by your employee against you, the employer.

    Directors and Officers Liability Insurance

    Provides coverage for situations where a poor decision was made by a company’s board of directors or officers resulting in a claim for damage. Coverage can be provided for condominium associations, golf courses and churches.

    Liquor Liability Insurance

    Protects you against claims for injury sustained by reason of you selling, serving or furnishing any alcoholic beverage during the course of your business operations.

    Fire Legal Liability

    Provides coverage for fire damage to premises you rent or occupy with the landlord’s permission. You must have been negligent in causing the fire for this coverage to respond.

    Understanding Business Liability Insurance – Additional Resources

    Ask your agent about Medical Payments, Premises Liability, Employer’s Liability and Employee Benefits Liability.

    In addition to the above, please review these additional resources, based on frequently asked questions (FAQs) about business liability:

    Prevent Common Business Liability Claims

    Learn a few simple things you can do to help prevent many of the most common loss events from happening to you.

    Choose Nationwide as Your Business Liability Company

    Learn why Nationwide is the #1 Total Small Business Insurer and the right company to protect your small business.

    Commercial Auto Liability

    Business auto liability insurance is an important safeguard for your business.

    Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.

    Business Safety and Loss Prevention

    Get disaster and safety planning support from Nationwide, a trusted business insurance company.

    Accident Medical Insurance

    Protect your organization and its participants during group events.

    Medical Stop Loss Insurance

    Limit your risk while keeping your employees safe and healthy.

    Business Interruption Insurance

    Keep your business running when the power, gas or other utility goes out.

    Businessowners Policy

    Find the right BOP insurance for your medium to small business.

    Disaster Planning and Recovery

    Prepare your business for natural or manmade emergencies.

    Agriculture Insurance

    Find solutions, resources and products for your agribusiness.

    Commercial Business Insurance Discounts

    Get up to 10% off uniforms and workplace safety products.

    Business Banking

    Find banking solutions that suit the needs of your business.

    Business Alerts Insights

    Keep on top of safety issues that can affect your bottom line.





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    Business Insurance

    Why Choose Business Insurance from The Hartford?

    Whether you require business insurance for a small business, a mid-size operation or a large corporate enterprise, The Hartford s business insurance specialists can help you tailor a solution to address the risks typical of your industry and unique to your company.

    Our business insurance teams specialize by industry and business size so small businesses get the attention they deserve from dedicated small business insurance specialists, while larger businesses work with industry specialists experienced in middle or large commercial risks.

    Helping large and small businesses through unexpected events has been a priority for The Hartford for more than 200 years. Today, we are a leading provider of business insurance solutions designed to meet the unique needs of small businesses and large commercial enterprises across a wide range of industries.

    • More than 1 million small business owners trust The Hartford for their small business insurance.
    • For more than 30 years, The Hartford has had a team of small business insurance specialists dedicated to serving small businesses.
    • Our claims experience consistently earns industry leading ratings and reviews from our small business insurance customers and our middle and large business clients.
    • Ethisphere Institute named The Hartford a World s Most Ethical Company for the eighth time in 2016.

    These are just some of the reasons you can trust The Hartford to help protect your business. Be confident that you can prevail against the unexpected; talk to your agent or a business insurance specialist at The Hartford and get a quote on your business insurance policy. For small business insurance, many small businesses can even get a quote online.

    Tailor your business insurance coverage.

    For more than 200 years, The Hartford has helped insure small businesses and larger entities through calamities, crises, and unexpected events. We have deep experience insuring large and small businesses, a broad array of business insurance coverage options and specialists who are eager to help you tailor a solution that s right for your company.

    To learn more about the range of insurance coverages The Hartford offers small businesses and larger operations, visit our Business Insurance Coverages page or go directly to a specific coverage:

    Looking for Business Insurance Coverage?

    The Hartford makes it easy to get a business insurance quote online or through an agent.

    The company we keep.

    How do you know The Hartford is the right choice for your business insurance needs? Just check out the company we keep!

    Renowned and respected organizations and associations have partnered with us to offer The Hartford s small business insurance coverage to their members. Learn more about organizations that are proud to team up with us on our commitment to help small businesses prevail through the unexpected with small business insurance coverage from The Hartford.

    Beyond small business insurance coverage, our small business customers get access to valuable services through these trusted partners .

    Looking for Business Insurance Coverage?

    The Hartford makes it easy to get a business insurance quote online or through an agent.

    The Hartford is here when you need us.

    Four out of ten small businesses are likely to have a property or general liability claim within the next ten years, according to an analysis of The Hartford s small business insurance claims. That s why The Hartford is here 24/7 to help small businesses recover from property damage, professional errors, weather events, accidents, data loss, theft, employee-related issues and other risks.

    Online or by phone, you can reach an experienced claims specialist who is dedicated to getting you the help you need to get your small business back up and running as quickly as possible.

    Helping customers like you prevail.

    Jenny and Marc Seguinot uncovered an embezzlement scheme at their law firm. They generously share their story of how The Hartford and their small business insurance policy helped them recover from their loss and regain their confidence.

    Looking for Business Insurance Coverage?





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