TOTAL ANNUAL PREMIUM $425* (varies by state)
Certificates of Insurance within 2 Hours
See below for coverage limits
|Liability Coverage||Limits of Insurance||Premium|
|Business Liability Insurance Each Occurrence||$1,000,000||$ Included|
|General Aggregate||$2,000,000||$ Included|
|Products/Completed Operations||$2,000,000||$ Included|
|Personal Advertising Injury||$ 300,000||$ Included|
|Medical Expenses||$ 10,000||$ Included|
Small Things You Can do to get a Big Return
There are some strategic things that a small business owner can do in order to obtain the best price for a small business insurance quote. Following these simple steps can greatly enhance your ability to get the most competitive price of available.
The first step in obtaining a competitive small business insurance quote is to present your business in the best light possible. Liability insurance for small business is difficult to obtain in some circumstances. If your small business is presented as a best in class, you are more apt to get the best price in a public liability insurance quote.
The next step in the insurance quote process is to make sure the insurance company understands your products and your services. A mis-classification of your business can detrimentally affect your pricing.
The primary factor in getting the best small business insurance quote is to have accurate rating basis information. This usually entails having correct values for contents values, payroll on an annual basis, gross annual receipts,
- The dimensions of your retail or office space
- Payroll on an annual basis
- Gross annual receipts
- Employee numbers for full time and part time.
Safety and loss control are another key element of a small business insurance quote. You must be able to show that you have formal documented safety and loss control procedures.
If you as a small business owner will address these four steps in obtaining a small business insurance quote, you will be well on your way to obtaining the best pricing possible. The first two steps are more objective while the last two steps are more subjective. Presenting your small business in the best possible light to the insurance companies will in turn provide you with the best possible commercial insurance quote from the insurance companies.