A quick and easy way to find out exactly what the market has to offer
This is a completely free site. There are no hidden charges. No fees are payable. You are given information and options to explore further. There is no obligation. No agent is going to call you back and try a hard sell. You cannot lose by exploring further. More…
Explore the market of business insurance providers and save up to $2000 on your businness insurance by choosing best offer:
When you accessed the site, your ISP’s location was identified. There are no privacy issues involved here. Your own address is not stored when you leave the site. This allows the site to assume your own location for the purposes of contacting the relevant insurance service providers for your state. If your business is located in a different state, please select that state from the pull-down menu and press go.
You are now looking at a listing of both general and specialist sites that offer quotes. The specialized companies deal in health and commercial vehicle insurance. There is a short description of each company and what it offers. To get a detailed quote, click on the relevant button and go to their site. There are detailed questionnaires on each site to establish your needs. Then, depending on the site, you will either get multiple quotes or a single quote from the specialist supplier.
No matter what the scope of the policies you are looking to buy, there is one simple truth. This is a business to business transaction. You are expected to be able to protect your own interests. That means you should always read the small print before you accept any policy or package of policies. Insurance companies are not charities. If they can limit claims they will. So always check exactly what is and what is not covered. Then read through the limitations and exceptions clauses. What is given in one prominent clause, may be subject to exclusions in a clause with smaller print. Make a checklist of all the things that might go wrong in your business. Now read through the policy to see how many of your worst case scenarios are covered. Some of your worst fears may be very unlikely. Others may be quite likely. Now you have a basis on which to assess the policy as it stands and, if you ask for additional cover, you can judge whether it is economic to insure against the remote risks.
You may find it useful to talk to others who work in your line of business to see whether any particular insurers have good reputations. Try talking to building companies that do repair work to see which insurers pay quickly. Asking your attorney may give you a list of companies most sued. Your state will also have an insurance department or commissioner. Most states will tell you if insurers have valid complaints against them.
