1. What is Businessowners Insurance?
A Businessowners Policy (BOP) is a combined package of policies that is designed especially for small businesses. This type of policy provides you with Property coverage, Business Income, and General Liability. A BOP is ideal for small businesses, home-based businesses, or companies with more than one location. Other available coverages for business owners include Workers Compensation, Commercial Auto, Commercial Liability Umbrella, Fidelity, Mechanical Systems Breakdown.

2. What is General Liability?
General Liability protects owners and operators of businesses from a wide variety of liability exposures, such as liability arising out of accidents resulting from the premises or the operations of an insured, operations completed by the insured and some contractual liability. This includes bodily injury, property damage or loss, personal injury which includes slander or libel, and advertising injury. General Liability also covers the cost of your legal defense. Note that General Liability does not cover loss due to your professional errors or negligence, which is normally covered by Errors and Omissions insurance.

3. What is Business Income?
Business Income includes Business Interruption coverage and/or Extra Expense Coverage. Business Interruption covers lost profits and ongoing expenses during a business shutdown caused by a covered property loss. Salaries of "key" employees are normally covered. Extra Expense covers extra expenses (over normal operating costs) incurred to remain in operation following a covered property loss.

4. What is Umbrella Coverage?
Umbrella coverage provides additional amounts of insurance in excess over other existing liability coverages, such as automobile liability, general liability and employer's liability. When the liability limits of existing policies are exhausted, additional coverage is provided by an umbrella policy.

5. What is Commercial Automobile Coverage?
Commercial Automobile coverage protects the business owner from losses resulting from bodily injury or damage to other people's property caused by the use of a covered automobile. The coverage can also cover damage to the insured's own vehicles.

6. What is Workers Compensation Coverage?
Workers Compensation policies include two basic coverages. The first coverage provides medical expense benefits, rehabilitative benefits and lost wages to employees who are injured or disabled as the result of a job-related illness or accident, as determined by applicable state laws. The second coverage is Employer's Liability. This section covers suits by employees, or their family member, against their employers for job-related accidents.

7. How do I insure my home business?
A business insurance policy combined with errors and omissions is the best way to insure your home-based business. Unless you have a special rider on your homeowners policy, your business property and general liability are not covered. In most cases, a businessowners policy will be the best solution.

8. What is professional liability coverage?
Professional liability covers the errors and omissions in the performance of professional duties. Errors and omissions coverage may include legal defense costs and any resulting judgements, up to the limits of the policy. This is very important for any firm acting in a professional capacity.

9. Is there a difference between professional liability and errors and omissions?
No, the two terms are synonymous.

10. Can you provide General Liability or Workers Compensation insurance for all businesses?
Yes, for the most part, we provide insurance for most small businesses and professional firms. There are some exceptions, however, where the workplace and inherent risks are outside of one particular location. For example, we do not provide this coverage for staffing firms and/or home healthcare agencies, where the "workplace" can be in a number of different locations.

11. What are your minimum premiums?
For our Businessowners policy, the minimum premium is between $400 and $500, depending on state location and coverages selected. For Workers Compensation, the premium is dependent upon the class of business, state location, and payroll amount.

12. How do I get a quote?
You can get a quote a number of different ways. You can complete and submit a Request for Quote on-line, or you can download a pdf of the Request for Quote form and mail or fax it us. You can call our toll-free number and speak directly to an Account Consultant who will take the necessary information from you over the telephone. Most of our quotes can be provided to you within 24 to 48 hours.

13. How will I be billed?
99% of our policies are billed directly by the insurance carrier. You will receive a bill from the insurance carrier and it should be paid directly to them. Depending on premium size, installment options are usually available.