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13 Types of Insurance a Small Business Owner Should Have

1. General Liability Insurance: Every business, even if home-based, needs to have liability insurance.  The policy provides both defense and damages if you, your employees or your products or services cause or are alleged to have caused Bodily Injury or Property Damage to a third party. 2. Property Insurance:  If you own your building...Read More
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Introduction to the ISO Commercial General Liability Policy

Like many small businesses your company has probably purchased a commercial liability policy. Many insurers that issue liability policies utilize standard forms published by an organization called the Insurance Services Office or “ISO”. In addition to policy forms, ISO provides statistical and technical information to insurers. There are two main reasons why...Read More
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What Determines Business Insurance Costs?

Here are a few of the major factors that determine business insurance costs: The type of company – A company in a high-loss industry will pay higher business insurance costs. For instance, construction businesses have above-average workers’ compensation and general liability losses, so they pay higher rates than a company...Read More
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All You Need to Know About Fleet Insurance

There are many businesses that have a large number of cars that they own and rely on each day. Insuring these vehicles can be time-consuming and costly if you don’t go about it in the right way. Depending on the amount of vehicles a company owns, fleet insurance could be...Read More