Commercial Insurance

Why would small business need an insurance policy?

Small businesses need an insurance policy just as large businesses do. Small businesses need an insurance policy because they need protection for liability.

Which companies offer cafe insurance?

The best way to attain Cafe insurance would be to go through a small business insurance policy. Small Business policies can be found at any common insurance company.

What type of insurance coverage does a small business need?

Your husband would do best in seeking out commercial property insurance of an all-risk policy, which covers those problems known to be common with small business.

Where can we find business insurance prices?

Business insurance prices can vary depending on the policy limits. We would be happy to work with you to see what your needs are and if we have a policy that works for you.

What type of home business would invalidate a home insurance policy?

Any type of home business that has been concealed from the insurance company could invalidate "all" coverage under your homeowners insurance policy. Your contract with your insurance company will require that you disclose any home business operation when you apply for or renew the policy.

What insurance is needed for a small business?

You will need a general liability policy and you might be able to get a business owners policy that would cover your property and your liability all in one policy. The most inclusive type of insurance package is a Business Owner's Policy (BOP). Many insurance companies have specialized BOPs that are comprehensive but priced to suit the small business market. The BOP includes both property damage and liability coverage. Typically this includes loss of property…

Where can you purchase small business insurance?

Small business insurance can be purchased where ever insurance is purchased. This would include agents, banking facilities or any other monetary agency.

Can a commercial business insurance policy protect you if your personal pet bites someone?

No pet bites would be covered under your homeowners or renters insurance policy.

Small Business Health Insurance?

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What are some companies associated with Key Man Insurance?

Key Man Insurance is an insurance policy taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business. Some companies associated with this policy include Nationwide and Mozdex.

What is the cost of bonding insurance in Raleigh NC for a cleaning business?

The cost of bonding insurance depends on the amount of insurance you would like to purchase for your business. You can usually get a policy for a couple hundred dollars.

Do all business owners need commercial auto insurance?

The only time you would not need it is if your personal auto insurance policy already covers you for your business use. If they would not cover then you need to purchase commercial insurance for that vehicle.

Do I need general insurance for my business?

If you are purchasing insurance for your business or employees the nit would be a good idea to have an agent. They can answer any questions and set up your policy for you. Try www.insuranceforvolunteers.com/

How do I get health insurance for a small business?

You tell the helath insurance company that you would like a corporate plan.

I rent a home with a detached shop that I run a business out of. If my car damages the building and my business contents will my comprehensive pay for my assets and the landlords building?

Renters Insurance No. Your renters Insurance Policy is personal lines residential tenants coverage. It should provide coverage for your "Personal Property" and may have some liability and personal injury coverage as well. Your Renters or "Tenants Policy" would not cover your business property nor the property of another person. Your landlord is expected to have his own property coverage. If you need coverage for your business property you would need to pick up a business…

Does your car insurance go up when someone backs into your car when your not in it?

Normally this would not cause an insurance policy to increase, but it is possible. Every insurance company is different and have different rates. You should check with your insurance company directly and ask. Not at fault accidents can effect the price of a policy when the policy is new business with a company.

Are proceeds from life insurance policy on key employees taxable?

If the policy was paid for with after-tax dollars, the proceeds would not be taxable. If the business took a tax deduction for the policy premiums as a business expense, a tax may be incurred on the death benefit.

What is BPP insurance?

BPP stands for Business Personal Property (or Contents Insurance). It would be part of a Property type policy and would cover any contents located at the covered location.

What kind of insurance do you need to run a bus tour-Bus would bring one group of people to 3 or 4 nightclubs in an evening?

In response to your tour bus question. You would need two types of insurance. You would need a business package policy this covers your General Liability and an assortment of other exposures to obtain the license to operate the business. The second policy you would is a commercial auto policy. There is no specific name for the poilcy you would have to go through a local independent insurance agent.

Why would any small business need health insurance coverage?

A small business would need health insurance coverage to offer peace of mind to the owner and workers as it means if something happens they are covered and do not need to worry about expensive hospital bills.

What is the minimum insurance coverage you need for a small catering business?

In Oregon that would be Workman's Compensation.

Can I get health insurance for small business with 5 employees?

Yes you can but you may not get as good a deal as a big company. You would look for group insurance.

Does an F250 super duty truck require commercial insurance in Florida?

We have the same vehicle, and the answer is no, I would say the question is what the vehicle is being used for. If you are using it in business, and need a commercial or business policy then of course. If this is a personal vehicle then no, you should not have to have commerical insurance policy. 'Use" is a big portion of the ratings.

What is garage liability insuracne?

That is the type of insurance policy that a car dealer or repair shop would carry. Covers their business risks.

Is a work trailor cover by homeowners insurance?

No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself would have to be purchased on a separate policy or a commercial fleet policy.

What does it mean if General liability insurance cancelled due to exposure change?

A change in exposure generally indicates that the insured is engaged in business operations that are outside the scope of the policy issued. In simpler terms, the insurance is inadequate for the exposure. For example;, You have a roofers insurance policy for residential roofing exposures, but you have recently added commercial roofing to your company offering, This would create an exposure change that you would need to have added to your insurance policy. failure to…

Can someone take out a life insurance policy on you without your consent?

Yes, someone can take out a life insurance policy on you without your prior consent. An example would be a business which has a defined financial exposure resulting from the unexpected death of an essential employee.

Are your insurance policy active?

You would need to contact your insurance company and ask them if your policy is still active.

Where can one find information on small business insurance in the UK?

You would be able to find information on small business in the UK by going on insurance company websites such as money supermarket to compare differences in quotes and the different types of insurances available on the market.

Can you open a cleaning company under your present residential contractors liability insurance?

You can add the new business to your existing policy. The cleaning company would not be covered until you add it to the policy.

What is Key-man insurance?

It is a life policy purchased by a business to compensate them for financial losses that would arise from the death of the member of the business specified on the policy. It can provide money to finance the recruitment and training of a replacement or to finance the buyout agreement.

Can a commercial vehicle have personal insurance?

The answer would be no. But in the case small business they use company car 9 am -5 pm, then they use it for personal use.In that case they can have in their personal name the business owner, a personal auto policy will cover them.If the company owns vehicles and ofcourse they are titled in the business's name, they need commercial vehicle insurance for complete coverage.

What type of commercial insurance covers an employee causing damage at a 3rd party?

This would be covered under your general liability policy for your business

Your adult daughter has auto insurance and is gifting you her car you have a car and insurance She lives with you Do you have to put her on your insurance policy?

As long as she has her own policy on her own, it would not affect your insurance in the sense of premium or the need to have her insured on your policy. However, most auto insurance company want to have her listed as a driver in the household since she lives with you. The policy actually follow the vehicle and not the driver. If she was to drive this vehicle and get into an accident…

How do you get business travel insurance?

In order to get business travel insurance, you would have to contact an insurance company that offers this service. Then request a quote for your business travel insurance.

What does Business property insurance cover?

Business property insurance protects your business against physical damage to, or loss of, your assets. Assets include the domain in which your business operates and its property (i.e., computers and inventory). There are two types of business property insurance policies available: a named-perils policy, which only covers losses resulting from particular events named in the policy, and an all-risk policy (also known as special form coverage) which covers all events except those specifically named. Most…

What do you do if you had a policy with mammoth life insurance company?

Mammoth Life Insurance Co. was an early Black-owned life insurance company located in Lexington, KY. It started doing business around 1915 but went of business in the early 1990's. You may want to contact the Kentucky Department of Insurance, but odds are, the policy is worthless by now. If the company went through a formal liquidation process, notices would have been sent to policyholders of record. If there were assets available for distribution, the Department…

Is catastrophic insurance a reliable insurance plan?

Catastrophic Insurance is an insurance policy that is minimum coverage and only protects you in the situation of a catastrophe. There would be no need for you to buy an insurance policy like that.

What is commercial liability insurance?

It's liability insurance for a business. It contains a bunch of stuff a homeowner's policy, or a motorist's policy, would not. A restaurant would be covered against choking, food poisoning and adverse food reactions. My company is insured against someone falling off the loading dock.

Do I pay taxes on a life insurance payout?

If the owner of the policy is not a business, you would not have to pay taxes on a life insurance benefit payout. You should consult with a tax professional in your state for more details.

Does homeowners insurance cover injury to the insured?

Check your insurance policy. If you selected medical coverage when you purchased your policy. There is usually a small amount (about 500 dollars) of medical for the named insured that covers minor house hold injuries. Otherwise you would need to look to your health or major medical insurance policy for personal injuries.

Does auto insurance cover trailer?

Yes. In Colorado a trailer would be covered under the auto insurance policy. If you have a fifth wheel or camper I would recommended and insurance policy by itself on it.

What kind of insurance covers for damages like natural disasters?

For you home it would be homeowners insurance; for your car it would be auto insurance; for a business, it would be commercial insurance; for a rental home it would be dwelling fire insurance. Most "natural disasters" I would think of would be fire, lightning, tornados, hurricanes, etc. These would all be covered under a homeowners policy for your home. Earthquake is usually an endorsement that can be added to a homeowners policy to cover…

Do you need car insurance on a scooter under 49cc in georgia?

If it is allowed for road use at all you must have insurance on it. The policy you would need would be a motorcycle policy though and not car insurance.

Can you find out if someone has a life insurance policy out on you?

No one is allowed to have a life insurance policy on you without your knowledge. You would have to sign off on the policy before they could get it.

What are the typical terms of a building insurance policy?

The typical terms of a building insurance policy would include such things as flood insurance, fire insurance and insurance covering anyone who may be injured at the building.

What is the best type of life insurance for a business man who is travelling to the Far East for three months?

One without a Terrorists clause! You can get temporary travel insurance. As a business man, you should aready have had a good life insurance policy on you...that would be good business! Now you may have trouble securing coverage. If you are in New England of the US, I can help you. 4lifeguild.com

What type of insurance would cover expenses for someone injured on your property?

Public Liability Insurance is the ideal insurance that will cover someone injured on your property. This type of policy covers the insured's liability to members of the public. Such liabilities may arise as a result of the insured's business operation. The business being operated by the insured in his/her premises may at times lead to death, injury or accident to third parties, or damage to third party's property. Insured means policy holder. A bit more…

What insurance coverage do you need for a ceramics business?

A Business owners package policy should cover your studio for some property and the liability of your product and premesis. You might need to add on property coverage for your products if they are expensive or you maintain a lot of inventory and I would be careful about how you value it for insurance purposes. If your business has employees you need work comp, if you have vehicles for the business you need to get…

How would you describe the term commercial insurance?

Insurance for a business.

What are some examples of things business insurance would cover?

There are numerous possible examples of things that business insurance would cover. Business insurance will cover things such as property damage and work casualties.