eInsurance Journal: EInsurance Journal Business Insurance Articles

Looking for General Liability Insurance Quotes? Here’s What You Need to Know.

admin — Mon, 14 Sep 2009 00:00:00 GMT

There are so many opportunities to incur a law suit in today’s business environment, you’ve got to marvel at the sheer bravery of anyone willing to open a business. Fortunately, we have insurance policies between us and the tort lawyers. As a business ...

Finding Liability Workman’s Comp Insurance Quotes in the Chicago Area

admin — Fri, 11 Sep 2009 00:00:00 GMT

If you operate a business in the State of Illinois and have what can be considered an employee and a payroll over $1,000 a year, you are required by law to either carry workers’ compensation quotes by understanding the high cost of not having coverage. ...

Semi Truck Insurance for Your Big Rig

admin — Thu, 27 Aug 2009 00:00:00 GMT

There are many kinds of semi truck trailers designed to haul big loads. Whether you’re driving a box, bus, reefer, tanker, dry bulk, flatbed, lowboy or car hauler, with up to 80,000 pounds of gross weight rolling along on 18 wheels, your semi truck ca...

E-Insure.com Free Insurance Quotes Online - eInsurance Insurance Products

admin — Thu, 20 Aug 2009 00:00:00 GMT

When looking for insurance quotes separately for your vehicles, home, business, health and life insurance, you could go online. But you probably have better things to do than spend hour upon hour trying to evaluate and compare multiple quotes from comp...

Professional Liability Insurance for Accountants

admin — Wed, 19 Aug 2009 00:00:00 GMT

As a bookkeeper, tax preparer, accountant or CPA, you’re dealing with your clients’ most intimate information. In terms of private info, you’re right up there with a priest, except that you can be sued for a whole slew of acts of negligence or incompet...

Professional Liability Insurance for Architects

admin — Wed, 19 Aug 2009 00:00:00 GMT

Many prudent companies in these litigious times are seeing the wisdom of liability insurance for small business – it provides protection from a head-spinning array of potential law suits rightly or wrongly brought. As an architect, you’re subject to al...

Tow Truck Insurance for Your Commercial Towing Business

admin — Thu, 13 Aug 2009 00:00:00 GMT

If you operate a business that makes money providing towing services or roadside repair services or if you use a tow truck to repossess vehicles, you’re in the commercial towing business and you need a special kind of tow truck insurance to protect you...

Homeowners Coverage – If You Operate A Business Out of Your Home, You’d Better Look At Your Policy to Make Sure You’re Covered

admin — Thu, 06 Aug 2009 00:00:00 GMT

When shopping for cheap homeowners insurance quotes online, make sure to take into consideration whether the policy suits your needs. Homeowners policies provide coverage for the structure of y...

Business Insurance – What To Know About Your Insurance Before Laying Off Any Employees

admin — Wed, 05 Aug 2009 00:00:00 GMT

In today’s tough economic times, many companies are being forced to cut back on expenses. For this reason, many companies are downsizing, which means laying off employees. The more layoffs there are, the more lawsuits former employees will be filing ...

Third-Party Employment Practices Liability Insurance Basics

admin — Thu, 30 Jul 2009 00:00:00 GMT

Here’s something else to keep small business owners awake at night: somebody you never met could sue you for discrimination. Your general liability insurance for small business probably won’t provide coverage, but third-party

Insurance for Businesses Part 3 – The “Employee” Policies

admin — Tue, 28 Jul 2009 00:00:00 GMT

The good news is your business is doing well, despite the economy. Maybe your company is doing so well, in fact, that you are hiring more employees. First of all, congratulations! Second of all, hiring employees may mean that your business needs mor...

Insurance for Businesses Part 1 – The “Basic” Policies

admin — Thu, 23 Jul 2009 00:00:00 GMT

If you own a business, there are different types of insurance you will want to consider purchasing: Commercial General Liability Insurance, Automobile Liability Insurance, Bu...

Insurance for Businesses Part 2 – “Nuts & Bolts” Policies

admin — Thu, 23 Jul 2009 00:00:00 GMT

In addition to liability insurance, your business needs insurance for the “nuts and bolts” – literally. You’ll want to make sure your business is fully insured for all of its property. This includes the building your business operates out of. In add...

Texas Commercial Truck Insurance

admin — Thu, 23 Jul 2009 00:00:00 GMT

If you providing cargo hauling services under a bill of lading in Texas you are required by state law to carry Texas commercial truck insurance. You’ll have to provide proof of Texas commercial truck insurance coverage in order to secure a Texas Commer...

Business Truck Insurance for Cargo

admin — Wed, 22 Jul 2009 00:00:00 GMT

The goods America’s truckers haul each year are worth billions. Motor truck cargo insurance protects the value of the load you’re carrying up to a limit set by you when you purchase commer...

Moving Your Business Into Your Home? What’s Covered By A Homeowners Insurance Policy?

admin — Tue, 21 Jul 2009 00:00:00 GMT

As previously discussed, you should consistently reevaluate whether you have the contents of your home insured for enough. In addition to reevaluating your own...

Truckers Insurance Basics – Commercial Truck Liability Insurance

admin — Tue, 21 Jul 2009 00:00:00 GMT

Nearly three quarters of all the products shipped around America come to us via trucks. That’s about $6.5 trillion worth of goods. If you’re a commercial trucker or own a commercial truck fleet, you know that commercial truck insurance is a cost of doi...

Employment Practices Liability Insurance - Because Law Suits Happen

admin — Thu, 16 Jul 2009 00:00:00 GMT

Unless you’ve been doing business in an alternate universe, you will not be shocked to know that disgruntled employees like to get even and their favorite tactic is a law suit. Assuming your company is located here in reality land, you’re going to need...

Who Needs Workers’ Compensation Insurance? Maybe It’s You.

admin — Wed, 15 Jul 2009 00:00:00 GMT

Every state has different laws governing workers’ compensation insurance, so you’ll want to check with your state’s insurance commission or an insurance agent for specific details, but typically you’re required to carry workers’ compensation insurance ...

Business Insurance Part 1 - Options for Home-Run Businesses

admin — Wed, 08 Jul 2009 00:00:00 GMT

Of the estimated 21 million people who work from home, about 14 million of them don’t have adequate business insurance. According to a survey conducted by the Independent Insurance Agents of America, t...

Business Insurance Part 2 - Affordable Small Business Car Insurance

admin — Wed, 08 Jul 2009 00:00:00 GMT

Just as your homeowners insurance policy may not provide adequate coverage when you operate a small business from your home, your personal

Cover Your Assets with Errors and Omissions Insurance

admin — Thu, 02 Jul 2009 00:00:00 GMT

Errors and Omissions insurance quotes, or E&O for short, isn’t another product the insurance industry ginned up to squeeze a few more bucks out of...

Why You Need To Search For Insurance Quotes And Purchase Insurance Now

admin — Thu, 04 Jun 2009 00:00:00 GMT

Insurance protects against accidents that you are not aware of at the time you purchase the policy. If there has already been a loss – there has been an auto accident, someone slipped and injured himself or herself on your property, there was a fire or...

An Insurance Policy Is A Contract - Don’t Forget To Uphold Your End Of The Bargain

admin — Wed, 03 Jun 2009 00:00:00 GMT

When shopping around for insurance quotes, keep in mind that once you have decided on the policy that’s right for you, you should read the policy. Insurance is one of those things that you buy and hope you’ll never need. But, in the event that you suff...

Insurance Companies – Are They Really As Bad As They Are Made Out To Seem?

admin — Wed, 03 Jun 2009 00:00:00 GMT

If you read the paper or watch TV, you know that insurance companies often get a bum rap. But, an insurance company is a business just like any other. An insurance company has employees to pay and needs to make a profit to stay in business. We don’t de...

What Do I Do If My Insurance Company Denied My Claim?

admin — Wed, 03 Jun 2009 00:00:00 GMT

Your insurance company will deny your claim if the claim is not covered under your insurance policy. Insurance companies cannot pay claims for which they received no premium, or ...

Insurance – Sample Cancellation Letter

admin — Tue, 02 Jun 2009 00:00:00 GMT

Did you know that you don’t have to wait until your insurance policy expires to search for a better insurance quote? In the event you find a cheap online insurance quote right now, you can ask your current insurer to cancel your policy a...

Insurance 101 – What Is It And Why Do I Need It?

admin — Tue, 02 Jun 2009 00:00:00 GMT

Generally, insurance is a contract in which an insurance company agrees to indemnify you against a specific, unexpected covered loss. The idea behind insurance is that if many people pay premiums, and only a certain percentage of those people suffer lo...

Commercial General Liability Insurance - Additional Insured Coverage

admin — Thu, 21 May 2009 00:00:00 GMT

Depending on the kind of business you have, you may need to be able to have other companies or persons be insured under your business’ insurance policy. Businesses often enter into contracts under which the business is required to name another business...

Commercial General Liability Insurance - Certificates of Insurance

admin — Thu, 21 May 2009 00:00:00 GMT

Depending on the kind of business you have, your business may need to be able to provide proof that it is insured. Often this situation arises by contract, in which your business may be required to provide another company with a certificate of insuranc...

Homeowners Insurance and Commercial General Liability Insurance – No License to Kill

admin — Thu, 21 May 2009 00:00:00 GMT

OK, we’re kidding. We don’t expect you’d harm even a fly! But, kidding aside, when considering purchasing homeowners insurance or commercial general liability insurance, it is important to know that insurance does not protect against damages that resul...

The Basics Of An Insurance Policy

admin — Wed, 20 May 2009 00:00:00 GMT

There is more to an insurance policy than what it costs you. In order to accurately compare one policy with another, you need to know more than just what the premium is. You need to know what each of the policies covers in order to understand if the po...

Commercial General Liability Insurance – A Must For All Businesses

admin — Tue, 19 May 2009 00:00:00 GMT

Big or small, your company needs to be insured. Whether you’re in the business of construction or making jewelry, you should consider buying commercial general liabil...

How Do I Choose An Insurance Company?

admin — Fri, 16 Nov 2007 00:00:00 GMT

There are many insurance companies, so choosing between them can be a challenge. Here are the main points to keep in mind when selecting an insurance company: Licensing
Not every company is licensed to operate in each state....

Is There A Difference Between Insurance Cancellation And Nonrenewal?

admin — Thu, 06 Sep 2007 00:00:00 GMT

Source: Insurance Information Institute, Inc. www.iii.org - ALL RIGHTS RESERVED There is a big difference between an insurance company canceling a policy and choosing not to renew it. Insurance c...

How Does Honesty Apply To Insurance?

admin — Thu, 12 Oct 2006 00:00:00 GMT

This is a subject that has been debated over the years many times. In essence, honesty is one of the bedrocks of the insurance product. Without an honest insured, it is very difficult for an insurance comp...

Filing Liability Claims: A Reality Check

admin — Tue, 14 Jun 2005 00:00:00 GMT

Over the past several weeks, I've received a number of inquiries that follow this general form:
I'm unhappy with my [pick a service provider] because he [describe an act of negligence]. I think he owes me money. How do I file a cl...

The Death Of The Educated Jury: The Plaintiff’s Malpractice Lottery

admin — Thu, 09 Jun 2005 00:00:00 GMT

As in the times of the Romans, the common man is called to perform his civic duty. I was called for Jury duty today. I had all the common emotions associated with such a calling:

I had not been able to go the last two times, as I...

Commercial Property Insurance And Liability

admin — Wed, 11 May 2005 00:00:00 GMT

From the in-box:
I need to get Business Property Liability Insurance to cover someone if they get hurt on my property.
Great question, and one that will help clear up a com...

Professional Liability Insurance In Associations

admin — Sat, 09 Apr 2005 00:00:00 GMT

Another good one from the inbox:
I'm interested in starting a business in which I only use workers that I issue a 1099 to at year end. In other words, I'm not paying any of their taxes. So, I guess they would all be similar to sub...

Claims-Made VS Occurrence Policies

admin — Wed, 23 Mar 2005 00:00:00 GMT

My e-mail is full of good questions this week! Here's another one:
A D&O policy can be either a "claims" policy or an "occurrence" policy. My understanding of the "claims" policy is that it covers only the 12 month period. The...

Liability Insurance VS. Surety Bonds

admin — Tue, 22 Mar 2005 00:00:00 GMT

Another one from the in-box:
We own a small landscaping company, and my husband insists that it is better to be able to tell potential commercial customers that we are bonded... but I am not sure that is what we need. I think that...

Standard Industrial Classification

admin — Tue, 08 Mar 2005 00:00:00 GMT

Here's another good question from my inbox:
Your partner's commercial insurance quote application is asking me for my SIC code. What is that?
SIC ...

Contractor Stalling On A Fidelity Bond?

admin — Wed, 16 Feb 2005 00:00:00 GMT

I just had a nice conversation on the phone with a lady who was in a hurry to get a quote on a fidelity bond. It turned out that one of her company's subcontractors had failed to...

Workers Comp for Construction Subcontractors

admin — Wed, 16 Feb 2005 00:00:00 GMT

Here's another interesting question from my inbox:
I work in Tennessee as a subcontractor for vinyl siding and windows. Do I have to carry w...

Insurance Monkey Business

admin — Mon, 17 Jan 2005 00:00:00 GMT

There's a statistical theory that if you gave a million monkeys typewriters and set them to work, they'd eventually come up with the complete works of Shakespeare. Thanks to the Inter...

Insurance Considerations For The Small Business

admin — Wed, 18 Jun 2003 00:00:00 GMT

In the United States and the rest of the world, hundreds of thousands of new businesses are created each day. The vast majority of these businesses are small and local. Many are sole proprietorship's and partnerships where a person with a unique skill,...