Small Business Insurance Quotes Online

The time has come to secure your business with the appropriate insurance. What are you waiting for? Get your instant business insurance quotes now and then get back to running your company. 

We have a small business consulting insurance, workers' compensation insurance, and more at an affordable price! Don’t miss out on these great savings while they last!

Starting a Business

An Overview of Business Liability Insurance Plans: Before you open up shop, it’s important to understand just how much startup costs can add up. The total cost of starting a new company is about $30,000 for a small service provider and about $50,000 for a small manufacturer. 

In both cases, though, only about one-third of these costs are actual expenses required to get up and running; the rest is money that could be better used in growing your business down the road. 

It’s also worth noting that startup costs aren’t always one-time fees: you may have to spend money on regular running or operating expenses to keep your company afloat.

Business Liability Insurance

If you're starting a new business, you'll want to purchase liability insurance. There are different types of policies, but most likely you'll want either general liability (GL) or professional liability. 

Professional liability will protect you against claims from clients should something go wrong with your work—for example, if they're injured while working out at a gym or if they slip and fall on a faulty floor in an office building. 

This will also cover any medical bills associated with such an incident. It's generally good to have it in place before someone is harmed because then any legal proceedings could be settled more quickly and less expensively; you may even be sued to recoup previous costs incurred by a client as well as pay for their current expenses.

Workers Compensation Insurance

Making sure that you have proper Workers’ Compensation Insurance is something that has to be done before you even hire any employees. 

You will want to protect yourself, and them, in case of an accident that happens while they are on the job. Workers Compensation Insurance is something we should all have; not just small businesses or large corporations. 

Everyone should have some kind of workers' compensation policy because accidents can happen no matter what type of job you have. 

It might sound like a lot to take care of, but it really isn’t difficult at all! We can help you understand how to get started with a worker's compensation policy for your company so that there will be no surprises down the road!

Professional Liability Insurance

Professional liability is an insurance policy that protects professionals and businesses against lawsuits related to their jobs. Professional liability policies are often known as errors and omissions (E&O) or malpractice policies, though they cover a variety of situations. 

As it relates to law firms, professional liability insurance can help cover such claims as misappropriation of funds; misrepresenting facts; libel/slander; breach of contract; and copyright infringement. 

Some professions with especially high risk for lawsuits include doctors, lawyers, accountants, architects, engineers, and dentists.

Office or Homeowners Insurance

Which is Right for My Small Business? : If you’re like most small businesses, you’re probably wondering if you need homeowners or business insurance. With many questions running through your mind—What am I required to have? 

Is it worth it? Do I need both policies?—it may seem easier to call up a broker and give them a quick run-down of your firm before purchasing a policy. But that doesn’t mean there aren’t some pretty big differences between homeowners and business insurance (aside from coverage amount) that are important to consider before making a purchase. 

Below, we take a look at three big differences between the office or home and small business insurance plans

Commercial Auto Insurance

A staple for small business owners, commercial auto insurance is designed to protect you and any employees involved in on-the-job transportation. 

You should have both liability and physical damage coverages in place, but it’s also wise to get a quote for uninsured/underinsured motorist coverage (UM/UIM). 

This protects you if another driver has no coverage or insufficient coverage to cover your medical bills or property damage. If you use vehicles with more than one driver (like a fleet), read up on commercial fleet insurance.

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instant business insurance

how much does it cost? Before you purchase instant business insurance, it's important to find out how much it will actually cost. Many small businesses can get by without having any kind of liability protection because they don’t work with hazardous materials or have many employees. 

However, when considering whether or not you need professional liability coverage, it's also a good idea to take into account what kinds of assets your company has (particularly valuable ones) and how you run your operation on a day-to-day basis. 

For example, if running small errands for customers is something that happens frequently during an average day at work then having business car insurance may be beneficial to avoid getting sued in case one of those individuals gets injured while using your vehicle.

small business consulting insurance

A lot of people are curious about which coverages they should have in their small business consulting insurance policies. The truth is that it really depends on what kind of consulting you do and whether or not you’re going to be using any equipment while you do it. 

If you don’t have any employees yet, chances are that you’ll only need liability coverage at first. This will keep your premiums low and allow you to start up without spending a fortune on a policy that might grow with your company as it grows. 

You can always add employee coverage later if necessary, but starting with liability coverage when there are no employees yet saves quite a bit of money – and gives you peace of mind even when things go well.