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Small Business Insurance QuotesLiability Insurance for Small Business
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Instant Insurance Quotes - Purchase Online We are pleased to offer a new innovative way for Small Business to shop for Insurance online without an excessive paperwork and meetings with insurance brokers. Small business owners can now quote and purchase their insurance policies online in just a few clicks! This is for small businesses seeking General Liability or Business Owners Policies.
Liability Insurance Quotes for Small Business Liability insurance will protect your small business assets in the event you are sued. These days lawsuits clog the courts so you'll want to maintain sufficient liability insurance to protect the business you've worked so hard to build. Your small business can actually be sued for something it did or even didn't do that resulted in injury or damage to someone else.
Small Business BOP Insurance Quotes Many insurance companies have bundled property and liability coverage into what's generally referred to as a business owners policy, or BOP. It allows you to obtain broad coverage with affordable insurance premiums.
BOP insurance generally covers:
- Buildings named in the policy. Structures are covered as well as permanently installed fixtures, machinery and equipment; outdoor fixtures; items you use to maintain or service the building, such as appliances; and additions under construction. You can choose to insure your buildings at their actual cash value or their replacement cost.
- To keep pace with the increasing cost of rebuilding, the policy's limit of insurance for covered buildings will automatically rise by a set percentage each year. Be sure to discuss with your agent whether you should purchase the standard building coverage or replacement cost coverage.
- Building contents: The insurance policy covers most property on or near the business premises that is used in your small business. This would include such things as machinery, computers, raw materials or inventory. You also have coverage for any leased property, which you are contractually obligated to insure.
- Property of others that is in your control, to the extent you are legally liable for that property. This coverage is particularly important to a business, such as a computer-repair shop, that earns revenue from servicing the property of others.
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