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Frequently asked questions
Why do I need insurance for my business?
Business insurance protects your company from financial losses due to unexpected events like accidents, lawsuits, or natural disasters. Without it, you’d have to pay out of pocket for property damage, legal fees, or customer injuries, which could bankrupt your business. Most jurisdictions also legally require certain types of coverage, like workers’ compensation insurance if you have employees. Think of it as a safety net that lets you focus on growing your business without worrying about catastrophic risks.
How much liability coverage do I need?
The amount of liability coverage you need typically depends on your industry’s risks and business size. Most small businesses start with $1-2 million in general liability coverage, but high-risk industries or companies with significant assets may need more. Consider your revenue, assets, and potential lawsuit costs when deciding.
What information do I need to provide my agent to get an insurance quote?
To get an insurance quote for either business or personal coverage, you’ll need to provide:
For business insurance: Your company name, address, industry type, years in operation, annual revenue, number of employees, and payroll costs. You’ll also need details about business property, equipment, and any previous claims.
For personal insurance: Your name, address, and date of birth.
For auto insurance, include your driver’s license number, and vehicle information (make, model, VIN).
For home insurance, provide details about your home’s construction, security features, and claims history.
For both types, be ready to discuss any specific risks or valuable items that need coverage. Having accurate information helps ensure you get appropriate coverage at the best price.
What do I need to do to file a claim?
If you need to file an insurance claim, first document the damage or incident with photos and notes. Contact your insurance company immediately through their 24/7 claims hotline or online portal. Have your policy number ready and provide a clear description of what happened. Your insurer will assign a claims adjuster who will guide you through the next steps, which may include getting repair estimates or providing additional documentation.