BUSINESS INSURANCE TO FIT YOUR NEEDS

No matter how big your business, no matter how small, it's a good idea to have insurance for financial protection


Whether you have a small business with few employees or a large corporation, all business should have certain kinds of insurance. Liability insurance is recommended for property and for company automobiles. Worker's Compensation Insurance is required by all states if you have employees. The type of coverage your business needs depends on the nature of your business. If there are a lot of assets, you should consider property damage and theft insurance. You may also want life insurance on you and other key personnel in the company. The type of business insurance you should have depends on your business, size, number of employees, etc.

Sources For Your Insurance Needs

We've scouted around and have come up with some resources to help you find insurance for your business.

  • NetQuote: Since 1989 they’ve assisted consumers and businesses with their business insurance quotes. They are a free insurance quote service with access to over 100 of the nation’s top insurers.
  • Get FREE business insurance quotes from a Mostchoice agent. MostChoice.com has an agent in your area who can get you the best deal on insurance.
  • AllQuotesInsurance.com has been around since 1998, connecting consumers throughout the nation with insurance companies in their local areas.
  • Business Insurance Quotes by QuoteMatch.com. Get your quote in less than 5 minutes.
  • OnlyBusinessInsurance.com can give you quotes for most every type of business.

What Types of Coverage Are Available?

If you have employees, Workers Compensation coverage will be mandatory according to state law. This insurance protects you and your employees for injuries which might occur while on the job. Automobile insurance will be mandatory by state law if you have company vehicles. Liability insurance should also be considered, to protect yourself against lawsuits or claims filed by third parties who may be injured or suffer property damage as a result of something your company did--or failed to do. Your insurance agent will be able to advise you on the types and amounts you need. If your business has any property--whether inventory or equipment of any kind, you will want to consider property insurance. One lightning bolt could put you out of business without this coverage. And there are specialty policies which you can buy for a variety of reasons, depending on your circumstances, such as business interruption insurance should you suffer flood, fire or other mishap that closes your business for a time; flood or earthquake insurance; crime insurance which protects against loss due to crimes; fidelity bonds--aka "dishonesty insurance"--for protection against dishonest employees. There are other types of policies not covered here, be sure to check with your agent as to whether you need further coverage.

You can also purchase a "Business Owners Policy" (BOP) which should cover most all of your insurance needs as a business owner.

Summing Up....

We all know that insurance is available to us for financial protection in all areas of our life, including our business life. If you are a business owner, you'll want to be sure you are adequately protected against all possibility of losses, for yourself and for your employees. All it takes is one seemingly small incident to wipe you out financially and put your employees and yourself out of a job. No smart business owner would be without the types of business insurance he or she needs for financial security.


Dental insurance is managed just like health insurance. Personal choices for dental insurance can be different so one should thoroughly go through the options before selecting any plan for him. Increasing costs of other forms of insurance have forced people to go for only specific choices. Many people make the decision to forego home insurance while others prefer to have car insurance at their first priority. Insurance packages for cars vary dramatically in prices because teenagers lack driving experience so the companies consider them a risk and thus charges high premium rates.

Resource Index

Audio-Video-and-Cameras:
Plasma TV, LCD TV, MP3 Players, TIVO, Satellite TV, Dgitial Cameras, Digital Camcorders, Bose iPod Speakers, Multimedia Projectors, GPS, Blu-ray Disc

Computer and Accessories:
Choosing a Laptop Computer, Computer Memory Upgrade, Copying a Hard Drive, Dual Monitors, Networking Computers, Microsoft Office, PDA's, Cheap Ink/Toner, Color Laser Printers, Multifunction Printers, Scanners, USB Flash Drives, Wireless Printers, Dell computers, Wireless Routers, Wireless G Routers, Wireless N Routers, Laptop Carrying Cases

Computer and Video Games:
Age of Empires III, Battlefield 2

Entertainment:
Online Gambling, Poker, Routlette, Blackjack, Craps and other Online Games, Online Casinos, Movies, Online DVD Rentals, Home Theater Systems , Home Theater Components, HDTV, HDTV Buying Tips, HD Radio, Portable DVD Players, Magazine Subscriptions

Fun-Hobbies:
Tropical Fish, Aquariums, Scrapbooking, Rubber Stamping, Geneology, Geocaching, Soap Making, Candle Making

Legal:
Criminal Defense Attorneys, Tax Attorneys, Lemon Law Protection, Structured Settlements, Investment Fraud, Bankruptcy Attorneys, Personal Injury Attorneys, Family Law

CellPhones-and-Communication
Cell Phones, Cell Phone Carriers, Prepaid Cell Phone Plans, Cell Phone Ringtones, Headsets, VOIP, Cheap Long Distance, iPhone, Blackberry, Bluetooth Technology, SmartPhones

Jobs-Schooling
Online College Degrees, Business Degrees, Home Schooling, Drivers Education, Job Resumes, Online Job Search
Internet:
Cybercrime Prosecution, IE Security, Affordable Web Hosting, Web Hosting, Domain Name Registration, Search Engines, Web Site Design, Internet Mailing Lists, Blogging, Internet Serive Providers, Free Email, Clip Art

Finance and Insurance:
Auto Insurance, Car Insurance Quotes, RV Insurance, General Insurance, Travel Insurance, Business Insurance, Basic Guide to Consolidating Student Loans, Cash Advance Loans, Federal Student Loan Consolidation, Debt Consolidation, Debt Management, Credit Card Debt Consolidation, Free Credit Reports, Home Mortgages, Home Equity Loans, Mortgage Refinancing, Mortgage Rates, Mortgage Companies, Second Mortgages, Mortgage Brokers, Health Insurance, Insurance Quotes, Term life Insurance, Mortgage note buyer, Renter's Insurance, Household Budgeting

Home:
Home improvement, Outdoor Lighting, Kitchen Remodeling, Kitchen Countertops, Espresso Makers, Food Processors, Coffee Makers, Coffee Grinders, Slow Cookers, Popcorn makers, Blenders, Cutting Boards, Refrigerators, Freezers, Washers & Dryers, Bathroom Remodeling, Kitchen & Bathroom Faucets, Bathtubs, House Windows, Closet Organizers, Window Treatments, Hardwood Floors, Carpeting, Home Security, Water Heaters, Water Filters, Carbon Monoxide Detectors, Bamboo Flooring, Portable Air Conditioners, Dehumidifiers, Siding, House Cleaning Services, Home Organization, Vacuum Cleaners, Cannister Vacuum Cleaners, Handcheld Vacuum Cleaners, Upright Vacuum Cleaners, Stick Vacuum Cleaners, Wet-Dry Vacuum Cleaners, Furnaces, Fireplace Inserts, Electric Space Heaters, Pellet Stoves, Wood Stoves, Heat Pumps, Buying a used car



Business-Office-Supplies:
Discount Office Supplies, Home Office, Office Furniture, Copiers, Home Business, Business Cards, Business Brochures, Mailing List Companies, Affiliates, Franchises, Business Telephone Systems, Employment Agencies, Call Centers, Fax Machines
Health and Wellness:
Fioricet for Migraine Relief, Online Pharmacies, Phentermine for dieting, Tramadol for Chronic Pain Relief, Mesothelioma, Mesothelioma Lawyers, Acne Treatment, Contact Lenses, Drug Rehabilitation, Cerebral Palsy, Hair Loss, Hair Loss Products, Human Growth Hormones , Diet Pills, Treadmills, Fragrances, Reducing Cholesterol, Diabetes, Obesity, Arthritis, High Blood Pressure, Heart Disease, Acid reflux, Cialis, Understanding Depression, Unraveling Diet Plans, Erectile dysfunction, Lipitor, Sleep Loss, Viagra, Autism, Asperger Syndrome, Living With Depression, Bipolar Disorder, Seasonal Affective Disorder

Gifts:
Gift Ideas, Corporate Gifts, Gift Cards, Wristwatches, Replica Watches, Sunglasses, Wholesale Jewelry, Jewelry Boxes, Wedding Gifts, Food Gifts, Books, Music, Flowers, Gift Baskets, Candles & Candleholders, Chocolate & Candy

Sports:
Health Clubs, Home Gyms, Treadmills, Golf, Golf Vacations, Golf Schools, Golf Clubs, Fantasy Baseball, Fantasy Basketball

Travel:
Railroad Train Travel, Greyhound Bus Travel, Moving Guide, Rental Cars, Luxury Cruises, Maui Vacation, Spain Travel, Panama Cruise, Mexico Travel, Europe Travel, Disneyland Vacation, Disney World Vacation, Airline Tickets, Las Vegas Vacations, Las Vegas Sights, Las Vegas Entertainment, Las Vegas Dining, Lake Tahoe, Reno Vacations, Grand Canyon Vacation, Alaska Vacation, San Juan Island Vacation, Seattle Vacation, San Francisco Vacation, San Diego Vacation, SeaWorld Vacation, Yellowstone Park Vacation, Los Angeles Vacation, Bed & Breakfasts, Las Cruces New Mexico Vacation, Texas Hill Country Vacation, Columbia River Gorge Vacation, Albuquerque Vacation, New Mexico Vacation, Utah Vacation, Denver Vacation, Carlsbad Caverns, Branson, Missouri, Arizona Vacations, Jackson Wyoming, Skiing Wyoming, Skiing Oregon, Skiing Utah, Skiing Colorado, Skiing California, Skiing Washington State, Skiing Idaho

Yard-and-Garden:
Lawn Care, Patio Furniture, Hot Tubs & Spas, Gazebos, Fences, Decks, Barbeque Grills, Greenhouses, Patios, Sprinkler Systems, Landscape Design, Backyard Ponds, Bird Baths, Hedge Trimmers, String Trimmers, Wheelbarrows and Gardencarts, Lawn Mowers, Lawn Mowers, Lawn Care Tools, Lawn Edgers, Leaf Blowers, Now Blowers, Rakes