2007-02-21 15:16:16 · 5 answers · asked by techno_junki 2 in Business & Finance ➔ Insurance
Do not make the devastating error of attempting to insure your business without professional help. There are too many vulnerabilities you don't want to expose yourself to. See a property and casualty agent or agency that specializes in business coverage.
2007-02-21 15:24:20 · answer #1 · answered by Rob D 5 · 0⤊ 1⤋
I don't know that you can. I have never heard of an online estimate for a business policy. Also, business insurance is complicated, it is not like a personal homeowners where most things are included, you have to buy almost every coverage separately and if you do not know what you are doing, you may be left uncovered in the event of a loss. Is it worth your financial loss & maybe the loss of your business to save a few dollars to buy online without an agent? Independent agents really know what they are doing when it comes to commercial insurance. They know the questions to ask and the proper coverage for you to have. Have you tried to call a few? If your business is very straightforward, sole proprietorship, you have no business autos or employees, you have minimal business contents and no building, I have seen business insurance for $500 minimum premium (some companies are going to $750 or $1000 minimum). You wouldn't be saving anything online if you fall under the minimum premium. I think to do this to give up the support of an agent (they also can help you with claims) is very risky. Our commercial producers have actually gone to the scenes of fires to start the claims process (on weekends, when the fire dept was still there) - would a company online be able to do that?? If you do work for others, they may request certificates of insurance - a local agent could do these right away & you can pick them up - can an online company do that?
2007-02-21 22:12:22 · answer #2 · answered by Sue 6 · 0⤊ 0⤋
You can't.
The reason is, business insurance isn't as cut and dried as personal insurance, there are too many "what if's". "Small Business" premiums can range from $500, for a mom & pop bait shop, to $250,000, for the guy that makes a shim used in nuclear power plants, to anywhere in between. "Small" is in the eye of the beholder.
You're going to have to call a local, independent agent in your area. If you're in the Pittsburgh area, I know a great one, just IM me.
2007-02-22 01:12:06 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
You can try the below website
2007-02-22 18:07:46 · answer #4 · answered by Alex K 2 · 0⤊ 0⤋
many websites
2007-02-23 06:41:57 · answer #5 · answered by Anonymous · 0⤊ 0⤋