Tag: insurance

Private health insurance for smaller businesses #online #business #schools

#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





Tags : , , , , ,

Business Health Insurance Solutions #best #small #business #to #start

#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.

  • ABOUT SSL CERTIFICATES

Click here to
rate this page





Tags : , , ,

General Liability Insurance for Small Business #guaranteed #business #loans

#business liability insurance

#

General Liability Insurance

What is business General Liability Insurance?

General liability insurance protects your business from another person or business’s claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below:

  • Bodily injury :A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy’s limits of liability.
  • Property damage and data loss. You spill coffee on a client’s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy’s limits of liability.
  • Personal injury. One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy’s limits of liability, and pay for an attorney to defend you if necessary.

Get Liability Insurance that best meets your needs.

General liability insurance will not protect you from everything. For example General liability will not cover you against claims of negligence, even if it isn’t you or your business’ fault. Some people buy other business liability insurance along with general liability

  • Professional liability insurance, also known as E O Insurance, is coverage for another person’s claims against businesses that provide professional and personal services.
  • Business Owners Policy (BOP) is enhanced insurance that combines general liability insurance and property insurance.

Why do you need General Liability Insurance?

You should consider general liability insurance coverage. also called commercial general liability insurance, if you or your employees:

  • Interact with clients face to face – If you visit a client’s place of work, or clients visit yours
  • Have access to a client’s equipment – For example, IT professionals should be covered against potential claims with IT business liability insurance
  • Represent your client’s business
  • Use third-party locations for any business related activities – For example, architects should make sure that they’re covered with architects business liability insurance
  • Are required to have general liability insurance before entering into a contract

Why choose Hiscox coverage?

Hiscox specializes in business liability insurance for professional services businesses like yours.

  • Flexible payment options: We offer you the option of making monthly payments (with no additional fees) to help manage your cash flow.
  • Tailored Insurance. We specialize in businesses like yours and tailor coverage to the risks in your field.
  • Claims responsiveness. When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
  • Coverage for contracts. Our liability insurance coverage satisfies most standard contract insurance requirements.
  • Worldwide coverage. We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
  • Passion for service. 97% customer satisfaction rating and we were voted in the top 100 Business Influencers of 2014.

Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you still have questions, read our general liability insurance FAQ’s or you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.

Reviews

Rated 97% for service on feefo – 6,072 reviews

Mark, Indiana
“Good experience. Easy to purchase. All questions were answered.”

Jesse, Kansas City, MO
“It was a pleasant transaction as I feel like I gained knowledge through the conversation with the Agent!” The agent was friendly and informative.”

Sarah, Chanute, KS
“Hiscox, easy to use and a hopeful safety net, brings peace of mind. The company website was easy to use and easy to understand. How it goes from here on remains to be seen. I am hoping I won’t have to use it much, but it is better to be safe than sorry when mistakes are made.”

Loretta, Detroit, MI
“Very professional representatives” Good customer service and prompt response to all questions.”

Tamera, Minneapolis, MN
“I believe that people always remember how someone or something made them feel and you made me feel important. I was truly impressed with the professionalism, quick responses, and honorable treatment as an up and coming business.”

Gregory, Seattle, Washington
“Great Service, Great Products.
One of the most pleasant services that I have received in a long time. It was courteous, professional, and to the point. Created a great impression of Hiscox and supported the experience I had with the products that I selected.”

Vicki, Federal Way, WA
“Very Helpful Representative. Very helpful representative explaining professional liability and general liability for my small business.”





Tags : , , , , ,

Business Liability Insurance from Nationwide #business #current #events

#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.





Tags : , , , ,

Business Health Insurance Solutions #cupcake #business

#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.

  • ABOUT SSL CERTIFICATES

Click here to
rate this page





Tags : , , ,

Liability Insurance for Small Business – Commercial Insurance #canadian #business #magazine

#business liability insurance

#

Liability Insurance

Liability insurance also known as Commercial insurance protects you in the event you are sued for claims that come within the coverage of your liability insurance policy. If you are a small business owner, there are many reasons why you should learn more about what commercial insurance means to you.

What does Liability Insurance Cover?

The insurance you choose depends upon the details of your business. Some people choose professional liability insurance some choose general liability insurance and many select both.

General liability insurance also known as Commercial General Liability (CGL) protects your business from another person or business s claims of bodily injury, associated medical costs and damage to property. Some examples of what could be covered are below:

Bodily injury. A client falls over your bag and you are legally liable for the injury. We will cover the subsequent claim and related medical expenses up to your General Liability policy s limits of liability.

Property damage and data loss. You spill coffee on a client s server causing damage and loss of data. We will cover the subsequent claim up to your General Liability policy s limits of liability.

Personal injury. One of your employees is at lunch. He talks to the owner of the shop about one of your clients in a false and unflattering way. The client learns of this discussion and sues for slander. We will cover the subsequent claim, up to your General Liability policy s limits of liability, and pay for an attorney to defend you if necessary.

Professional liability insurance, sometimes called errors and omissions insurance (E O insurance) is coverage for another person s claims against businesses that provide professional and personal services. S ome examples of what could be covered are below:

Protection even if you haven t made a mistake. You advise a client to change some internal processes to increase productivity. The recommendations aren t implemented as you had specified and productivity subsequently drops by 15% rather than improving. Or if you manage the development of a new product. There are problems with the project (which are out of your control) and you cannot deliver the final product in a timely manner. If your client sues you, we will appoint an attorney to defend you under a Professional Liability policy.

Negligent acts. You advise a client to update their employment practices. Six months later, your client contacts you, stating a part-time employee is suing the company. You had left out a key requirement on the amount of hours part-time employees are permitted to work. If your client sues you, we will appoint an attorney to defend you under a Professional Liability policy.

Business Owners Policy (BOP) is a combination of general liability and business property insurance. BOP insurance is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

Office insurance for fire and business interruption.

Electronic data loss insurance.

Hired or non-owned vehicle liability insurance.

Commercial Crime insurance to cover the dishonesty of your employees.





Tags : , , , , , ,

Business Health Insurance Solutions #business #idea

#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.

  • ABOUT SSL CERTIFICATES

Click here to
rate this page





Tags : , , ,

Insurance for home-based business #busy

#home businesses

#

Insurance for home-based business

Last Updated: 10 May 2016

If you run your business from home, it’s important to understand that your existing home and contents insurance may not cover your business activities or your clients in the event of an accident or illness. This is a common mistake for many businesses and can make you personally liable if an accident occurs.

What type of insurance should I get?

There are many insurance policies targeting home-based businesses. Before you decide on an insurance policy, compare different providers to select what’s best for you.

As a home-based business you need to make sure you have the correct level of insurance to protect yourself, your business and your home. It’s also important to understand that standard homeowner policies do not generally provide cover for home-based business activities.

When looking at insurance providers, consider the following types of insurance:

  • public liability cover for persons visiting your business at home (e.g. customers and suppliers)
  • asset insurance of business equipment, inventory, tools of trade, office furniture or computer equipment
  • workers’ compensation for any employees working from your home
  • fire, storm and theft cover for the loss of any stock and equipment
  • professional indemnity insurance if you’re in a service industry, especially if you’re contracting to government
  • loss of income due to personal accident or illness
  • costs arising from interruption to your business
  • marine policy if you send products via freight carriers or post.

It’s important to note that many policies don’t cover tools of trade, office furniture or computer equipment used for your business, unless you and your insurer have agreed to cover them.

What to do.

  • Read more about Home-based business and check out our Starting a home-based business page.
  • Find out about types of insurance .
  • You may be interested in our Online business page if your home business is online.
  • Read about Managing inventory for information on protecting your stock.
  • Compare insurance companies and brokers.
  • Talk to your industry association or professional body for advice.

Was this helpful?

Thanks for your feedback. If you have any ideas on how we can improve, we’d love to hear them.

Please provide your comments in the feedback form .

You might also be interested in





Tags : , , ,

Business insurance #stock #markets #today

#business insurance

#

Current Issue

Search

Monthly Rate FREE

Business Insurance is the authoritative news and information source for executives concerned about risk and the impact on their business. With targeted information for risk managers, benefits managers, insurers, brokers and other providers of insurance products and services, Business Insurance delivers in-depth analysis on new and emerging risks, case studies of successful programs, market intelligence, and more. We cover core risk management and insurance areas such as property/casualty insurance, health insurance, captive insurance and other alternative risk transfer vehicles, and enterprise risk management. Our goal is to provide you with the information and analysis to do your job better accessible anytime and anywhere.

Manage My Subscription

*Subscription billed on an annual basis
**Individual use only. Data available from 2005 to date. Not to be distributed or re-used.
Your subscription will be suspended in the event these terms are violated. The Data Plus Premium option is non-refundable.
Effective January 2013, the Agents Brokers white paper and directory is no longer part of the data subscription.Please refer to Terms of Use for full details





Tags : ,

General Liability Insurance #how #to #finance #a #business

#business liability insurance

#

General liability insurance

Protect your business from liability claims

General liability insurance (GL) is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations.

Who needs general liability insurance?

General liability insurance is often combined with property insurance in a Business Owners Policy (BOP), but it’s also available to many contractors as a stand-alone coverage through the Progressive Commercial Advantage SM program .

As a contractor or small business owner, you need some form of general liability protection to safeguard your livelihood.

A single accident could result in a lawsuit that you might not be able to handle. A great way to protect against is to make sure you have liability coverage that matches your level of exposure.

Some employers or clients might also require you to carry a certain amount of general liability before you can work for them.

General liability insurance for contractors

If you’re a contractor, you might only want general liability – not a full BOP. For example, you might not own any commercial buildings that require property insurance, or need to cover payroll or other operating expenses. However, you’re still exposed to liability risks from your job.

You might be eligible to get general liability insurance, without the extra coverages in a BOP, through the Progressive Commercial Advantage program. We offer general liability, as well as * Blanket Additional Insured Coverage to contractors who qualify.

*Blanket Additional Insured Coverage extends your existing liability insurance to other entities as required by some contracts with employers.

Get it all in a BOP

General liability, along with other coverages, is available in BOPs written through the Progressive Commercial Advantage program.

If you need to protect things like personal property used for your business, or commercial buildings such as garages or storage facilities, you might require the additional protections provided in a BOP.

Quote online or call for expert advice.





Tags : , ,