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Business Insurance; Information you will need


When you start a small business you will need to have insurance. You would be wise to shop around. Triple A rated carriers like Farmers Insurance, State Farm and All State are definitely places to get quotes from, but also be sure to check out your local independent insurance agents as well. When shopping for a quote there is some things you will need to know. For instance you SIC code and business category. If you are involved in more than one, it pays to look at both SIC codes to see which category is preferred by the agents underwriters. Some SIC codes many insurance companies will not even touch. For instance Car Washes, Amusement Parks, Aviation Businesses and security companies. But there are insurance companies who specialize in these areas. Perhaps you might wish to thumb through a recent trade journal to see which insurance companies are actively seeking clients in those categories. You will be glad you did; also do not forget to check online as well.

You will also need other data when shopping for quotes; you will be asked such things as: Address of Business Office; are you running your business out of a home or commercial location. If it is a commercial office; what is the square feet of business location, customer area. What is the age of the building; is it made of masonry or frame construction? How many floors? What types of business tenants occupy or share the building? The main concern of the underwriter's in some businesses is; where the supplies are stored? Especially if chemicals are used in your business. If you are a mobile service; are the chemicals stored on a vehicle? Where is the vehicle parked.

Insurance agents will also ask you how many years have you been in business? How much experience do you have; what are your projected and current gross annual receipts? How many full time and part time employees do you have? If you have mobile service vehicles you will need the full name, social security number and drivers license number for all employees who will be driving the vehicles. The more current our files, the happier the underwriters and the more information you bring with you when shopping for quotes the happier the agent. Happiness equates to a better deal, more shopping on the agents part and better relationships will all the parties concerned. Think on this when shopping for Business Insurance.

"Lance Winslow" - If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs


MORE RESOURCES:

Insurance - Google News

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California wildfires: New bills aim to ease insurance headaches - The Mercury News


The Mercury News

California wildfires: New bills aim to ease insurance headaches
The Mercury News
SACRAMENTO — California lawmakers on Tuesday took aim at the insurance industry after hearing “horror stories” from constituents struggling to rebuild in the aftermath of a record-setting wildfire season that caused more than $9 billion in damages ...
California lawmakers propose bills to beef up disaster insurance coverage San Francisco Chronicle
California Commissioner and Legislators Unveil Wildfire Insurance Bills Insurance Journal
Lawmakers introduce package of insurance safeguards in wake of Northern California wildfires Santa Rosa Press Democrat
Wichita Eagle
all 9 news articles »

MJ Insurance Adds Rarick as Risk Management Consultant in Arizona - Insurance Journal


MJ Insurance Adds Rarick as Risk Management Consultant in Arizona
Insurance Journal
MJ Insurance has added Justin Rarick as a risk management consultant in its Phoenix, Ariz. office. Rarick is responsible for driving sales and service to new and existing clients. Rarick previously was a commercial claims specialist at Nationwide ...

Enlarging insurance pool makes sense - Baltimore Sun


Baltimore Sun

Enlarging insurance pool makes sense
Baltimore Sun
Dan Morhaim for his continuing focus on improving the state's procurement processes to benefit taxpayers (“Pooling insurance makes sense for Maryland,” Jan. 10). Once again, he proposes an innovative approach to saving taxpayer dollars and improving ...

At GE, $6.2 Billion Charge for Finance Unit Hurts CEO's Turnaround Push - New York Times


Reuters

At GE, $6.2 Billion Charge for Finance Unit Hurts CEO's Turnaround Push
New York Times
The newly disclosed trouble surfaced in one of those, a reinsurance unit, North American Life and Health, mainly because of the higher-than-expected cost of reinsuring long-term care policies sold by other insurers. After examining the trend in claims ...
GE reignites break-up talk after $11 billion insurance, tax hit Reuters
GE shares dive after 'deeply disappointing' $6.2 billion insurance portfolio charge CNBC
General Electric's (GE) Presents Insurance Update Broker Conference Call (Transcript) Seeking Alpha
Yahoo Finance  - Washington Examiner  - Bloomberg
all 243 news articles »

Oklahoma Says Farmowners Insurance Program Insurer, Rockingham, not Licensed - Insurance Journal


Oklahoma Says Farmowners Insurance Program Insurer, Rockingham, not Licensed
Insurance Journal
The Oklahoma Insurance Department says a farmowners insurance program being advertised in Oklahoma is not valid because the insurer, Rockingham Casualty Company, is not licensed to operate in the state. In early January, Rockingham Casualty and Edmond ...

The number of Americans without health insurance jumped by 3.2 million in 2017 — and Congress could be to blame - Business Insider

E&S Exit: State Auto's Rockhill Sells Environmental Insurance Renewals to CapSpecialty - Insurance Journal


E&S Exit: State Auto's Rockhill Sells Environmental Insurance Renewals to CapSpecialty
Insurance Journal
“CapSpecialty is committed to offering our wholesale brokers and insured customers access to strong environmental coverage, and Rockhill's appetite, products and focus on small to mid-sized business are all well aligned with those of CapSpecialty ...

and more »

Troubles Push GE to Consider a Breakup - Wall Street Journal


Wall Street Journal

Troubles Push GE to Consider a Breakup
Wall Street Journal
General Electric Co. GE -2.93% is considering breaking itself apart, a dramatic move that would mark the end of one of the oldest and largest U.S. conglomerates. The 125-year-old business, which was once the most valuable U.S. company and still employs ...

Insurance Industry Bands Together to Make a Difference in North Carolina City - Insurance Journal


Insurance Journal

Insurance Industry Bands Together to Make a Difference in North Carolina City
Insurance Journal
A group of insurance and risk management professionals are working together to make a difference in one of North Carolina's largest cities. The group, Community Matters: Insurance Partners of Charlotte, started in 2012 to help raise funds to build a ...

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