Only time can tell when your business faces claims. If this does happen, you might need to pay costly legal fees and settlements. And so, it’s a good idea to get business insurance or commercial insurance as it comes with liability coverages that can pay for the claims made by clients and other third-parties.
When talking about liability insurance, most people think about general liability insurance. However, the term can also pertain to professional liability insurance, employer’s liability insurance, cyber liability insurance, and more. In this discussion, learn how much does $1 million liability insurance cost.
Computer businesses usually have general liability insurance and professional liability insurance. Let’s discuss the cost of each.
For computer businesses, the cost of commercial general liability insurance having a one million coverage limit is $33 per month or $396 a year. Factors that affect general liability insurance coverage cost are location, size of business, business history, and more.
Computer businesses having a $1 million professional liability coverage pay a company liability insurance cost of $22.34 per month or $268.08 a year. Factors that affect professional liability insurance prices are claims history, revenue, and more. In connection, the best professional liability coverage options for computer businesses are:
Progressive professional liability insurance
NEXT professional liability insurance
The Hartford professional liability insurance
A 1 million dollar insurance policy cost computer businesses $45 a month or $540 a year. Factors that affect cyber liability insurance estimate of cost are policy limits, deductibles, security of the business environment, and more.
$1 million general liability insurance small business cost flower shops $72.33 a month or $868 a year. Factors that determine how much is commercial liability insurance that offers general liability coverage for flower shops are revenue, nature of business, claims history, and business physical environment.
For a $1 million coverage, flower shops pay a professional liability insurance for small business average cost of $46 a month or $552 a year. Factors, which affect how much does a flower shop professional liability insurance for small business cost, are policy limits, deductibles, type of flower services provided, and more.
So how much is a commercial insurance for a flower shop protected by a $1 million employer’s liability coverage? Business insurance cost per month will be $71 a month, which translates to $852 a year.
For flower shops running a website to make sales and launch campaigns, provided that cyber liability is purchased, $1 million liability insurance cost $33.18 a month. If paid annually, then 1 million dollar liability insurance cost flower shops $398.16.
1 million dollar insurance policies jewelry stores usually get are general liability, stand-alone products liability, employer’s liability, and cyber liability insurance. Let’s discuss the cost of each.
$1 million general liability insurance helps jewelry stores shoulder costs if clients have their hand cut or lacerated while shopping for jewelry. For this kind of business, general liability insurance for business cost $69.66 per month or $835.92 a year.
Factors that affect the cost of 1 million dollar general liability insurance for jewelry stores are revenue, business location, policy limits, deductibles, and more. Furthermore, the best general liability insurance for small business jewelry stores are:
Geico general liability coverage
CoverWallet general liability insurance
Progressive general liability insurance
The Hartford general liability insurance
If jewelry stores decide to only include professional liability coverage, then 1 million dollar liability insurance cost will be $62 a month or $744 a year. Factors that affect how much does business liability insurance cost for a jewelry store, getting a 1 million dollar insurance policy in professional liability, are the kind of service provided, business risk management programs (if any), and more.
In terms of purchasing employer’s liability insurance, $1 million liability insurance cost jewelry stores $76.26 a month or $915.12 a year. Factors that affect employer’s liability insurance rates for small business such as a jewelry store are the number of employees and the types of labor benefits provided.
Jewelry stores are recommended to get $1 million general liability insurance and $1 million employer’s liability insurance.
Business insurance for gift shops offers general liability and cyber liability. Let’s discuss the average cost for business insurance for gift shops based on these liability policies to be purchased.
1 million dollar liability insurance, provided this is a general liability policy, will help gift shops pay for costs if clients tripped or fell on business premises. For gift shops, comprehensive general liability insurance cost $83.33 a month or $999.96 a year for $1 million coverage. Factors that affect the average cost for general liability insurance for small business such as a gift shop are revenue, business size, claims history, and more.
If a gif shop only decides to get a 1 million dollar policy limit of cyber liability coverage, then how much is business insurance per month will be $52.13 a month or $625.56 a year. Gift shops asking how much for business insurance if cyber liability is only purchased should know that policy limits, deductibles, tech budget, and more affects pricing.
So how much does business insurance cost per month if the gift shop is getting employer’s liability insurance? The average insurance cost for business employer’s liability insurance will be $63.18 a month. If paid annually, employer liability small business insurance price will be $758.16 a year. At these rates, the policyholder enjoys a $1000000 liability insurance in employer liability.
Liability insurance furniture stores get are general liability, stand-alone product liability, and cyber liability insurance. Let's discuss how much is insurance for a business per month and year for each liability policy we mentioned.
If you’re asking how much is general liability insurance for my business that’s a furniture store and wants to get $1 million coverage, then know that you’ll pay $59.66 a month or $715.2 a year for a 1 million dollar liability insurance coverage. One factor that affects general liability insurance cost for small business furniture stores is business premises. CGL insurance cost is also affected by claims history.
Product liability insurance is already included in general liability insurance and its cost is already added to general liability insurance price. But note that some carriers offer stand-alone product liability insurance. If you’re wondering how much is liability insurance for a small business getting this, know that the average cost business insurance offering stand-alone products liability is $0.25 per $100 revenue. Product liability insurance cost for business is mainly affected by factors such as business income and items sold.
Many furniture stores run a website to sell. In the process, they store client data. Client data might be compromised in case of a data breach. And so, cyber liability insurance should also be purchased.
So how much does business insurance cost if the furniture store decides to get cyber liability coverage? Cyber liability insurance small business cost $37.51 a month or $450.12 a year. Factors that determine how much is liability insurance for small business, such as a furniture store getting $1 million insurance policy limit in cyber liability, are the sensitivity of data handled, policy limits, and deductibles.
Before we answer, know that small business insurance costs estimate for a $1 million employer’s liability insurance for furniture stores is $67.82 a month or $813.84 a year.
What if $2 million coverage is purchased? How much for liability insurance for small business? In this case, the average small business insurance costs will be $103.56 a month or $1,242.72 a year.
How much does insurance for a small business cost - if employer’s liability insurance is only purchased - is affected by the number of employees. Another factor to consider when wondering how much does small business insurance cost for employer’s liability coverage is the work-related injuries associated with a furniture store business.
Liquor stores need general liability insurance, liquor liability insurance, and premises liability insurance all having the average liability insurance coverage, which amounts to $1 million. Let’s take a look at how much does insurance cost for a small business, say a liquor store buying the aforementioned liability insurance.
General liability insurance 1 million amount payable can help pay costs if a drunk customer injures himself or herself on the business premises and decides to file a claim. So how much does liability insurance cost for a small business like a liquor store needing this policy? General liability insurance 1 million dollar in coverage costs $84.67 a month or $1,016.04 a year. Factors that affect the cost of general liability business insurance for liquor stores are revenue, number of customers, business history, services provided, and more.
Note that $1 million dollar liability insurance policy cost for general liability coverage is also affected by location. For example, a liquor store in jurisdictions where alcohol consumption is not heavily regulated will pay more for premiums.
Liquor liability insurance provides coverage for incidents when the liquor store violated or allegedly violated liquor laws and dealt damage to third parties. So how much is 1 million dollar liquor liability? The average cost of business insurance will be $61 a month. If paid annually, then liquor liability insurance cost the policyholder $732. Factors that affect liquor liability business insurance average cost are location, number of customers, business claims history, and more.
Some liquor stores decide to get premises liability insurance instead of general liability insurance to cover the cost of accidents happening on the premises, which injure third parties. So how much is 1 mil premises liability? Provided that this type of liability coverage is the only policy included, the average cost of insurance for a small business liquor store will be $28 a month. Paying yearly is also an option and if the policyholder decides to do so, typical business insurance costs will be $336.
If a liquor store decides to only get employer’s liability insurance, the average business insurance cost of premiums will be $54.97 a month. Premiums can be paid annually and in this case, the average small business insurance cost is $659.64
Liability policies concession stands get are $1 million general liability and public liability insurance. Let’s discuss how much is business liability insurance average cost for these coverages.
The cost for business insurance if the concession stand decides to get general liability will be $87 a month. General liability business insurance premiums can also be paid annually. In this case, the business insurance estimate of cost is $1,044 a year. We determined this small business insurance estimate of rates by considering factors such as revenue, location, and more.
How much does it cost to insure a business such as a concession stand needing public liability insurance? Public liability business insurance costs concession stands $63.84 a month for a $1 million coverage. If paid annually, then public liability business insurance price is $766.08 a year. Public liability business insurance rates are affected by factors such as revenue, location, policy limits, and deductibles.
In some states, concession stand businesses need to provide workers compensation even if there’s only one employee. And to cover the cost of liabilities, they decide to get employer’s liability insurance.
Employer liability small business insurance cost concession stands $62.29 a month. We can also determine business insurance prices based on yearly pay. And so, the closest employer liability small business insurance cost estimate will be $747.48 a year.
Bounce house businesses usually buy $1 million general liability insurance, professional liability insurance, and cyber liability insurance.
For bounce houses, general liability business insurance monthly cost is $41.66. If paid yearly, then small business insurance costs bounce house $499.92. Factors that determine bounce house general liability insurance prices are payroll, sales, deductibles, limits, and more. In connection, the best general liability coverage options are:
Geico general liability coverage
CoverWallet general liability coverage
The Hartford general liability coverage
NEXT general liability coverage
Thimble short term general liability insurance coverage
Provided that the bounce house business only gets a $1 million professional liability coverage, the average cost for small business insurance will be $39 a month. Premiums can also be paid annually. For those who choose this option, the average insurance costs for small business premiums will be $468.
The average cost of business insurance for a small business, say a bounce house business that needs employer’s liability coverage, is approximately $74.29 a month. Again, premiums can be paid yearly. In this option, the average insurance cost for small business bounce house is $891.48 a year.
The cost of insurance for a small business bounce house that needs $1 million cyber liability coverage is $56.45 a month. If paid yearly, then the average insurance cost for a small business cyber liability coverage is $677.4 a year.
How much will the premiums be when getting insurance for my business that’s a car dealership ? Each business liability insurance policy included in car dealership insurance has its own pricing. And so, let’s discuss the cost of each for a quick small business insurance comparison.
The average monthly general liability insurance rate for car dealerships is $41 a month. If paid annually, then the cost of business general liability insurance coverage is $492 a year. Factors that affect the cost of general liability small business insurance for car dealerships are sales, number of employees, and condition of business premises.
For a $1 million garage liability insurance, business liability insurance rates average $38 a month. If paid yearly, then the cost to insure small business car dealership is $456. The price of this basic business liability insurance is affected by location, number of cars in the garage, and more.
Aside from GLI insurance (General Liability), employer’s liability insurance is also very essential for car dealerships. On average, this small business insurance policy costs $81.37 a month. Assuming that you’ll pay for premiums annually, then employer’s liability insurance for your business will be $976.44 a year.
The cost of this business liability insurance is affected by the number of employees, claims history, and common work-related injuries associated with an auto dealership business.
Food cart businesses usually get $1 million general liability as their primary business insurance policy. But there are other types of business liability insurance coverage that should be purchased such as public liability insurance and employer’s liability insurance.
General liability insurance coverage for small business food carts is $45 a month. Premiums can be paid yearly and will cost $540. Factors that the cost of general liability insurance for a small business are sales, policy limits, deductibles, and claims history. Note that business insurance requirements might also affect how much general commercial liability insurance cost food carts in premiums.
Public liability insurance for small businesses, in the case of food carts, costs $34.87 a month. > Say what if I pay annually for the public liability insurance for my company? 1 million dollar insurance policy business public liability coverage is $418.44. What affects the costs to insure my business that’s a food cart using public liability coverage? Another good question. Factors that determine the cost of this million dollar business insurance policy are deductibles, location, and more.
In some states, food cart owners need to provide benefits even if there’s only one employee. And to have money in case of disputes regarding the provision of such benefits, some are smart enough to get employer’s liability insurance. So how much is 1 million dollar insurance of employer’s liability? This work liability insurance cost food cart businesses $77.52 a month. If paid yearly, this affordable liability insurance for small business will be $930.24.
As a food cart owner, note that your business insurance should always include $1 million general liability coverage.
$1 million liability policies car rental businesses get are general liability and cyber liability. Let’s take a look at the cost of this million dollar insurance policy business liability coverages.
The cost of $1 million dollar business insurance that only includes general liability coverage for car rental businesses is $50 a month. If the car rental business decides to go for yearly payments, then business liability insurance cost $600. What if general liability is a 2 million dollar business insurance policy? In this case, premiums will be $78.94 a month or $947.28 a year.
For a $1 million cyber liability insurance, car rental businesses shoulder a commercial insurance price amounting to $86.38 a month. This translates to an annual cost of commercial liability insurance that’s $1,036.56.
Car rental businesses can get business insurance quotes online free from companies such as CoverWallet, Thimble, State Farm , and Hiscox.
LLCs pay a different amount for their $1 million liability insurance. Let’s discuss the general business insurance costs for different LLC liability policies.
General liability insurance for LLC is $46 per month. If paid yearly, then general liability insurance cost for LLC is $552. Factors that affect the price of LLC general liability insurance are business history, business claims history, location, and more.
LLC liability insurance rates for public liability coverage average $43 a month. If we look at yearly premiums, then limited liability insurance for business is $516. One major factor that affects the cost of this limited liability insurance is location. Another factor that affects limited liability insurance cost is risk management programs implemented.
The cost of $1 million employer’s liability insurance is $69.37 a month or $832.44 a year.
Some LLCs decide to get umbrella liability coverage to supplement the limits of their liability policies. On average, the cost of $2 million umbrella liability is $215 a month or $2,580 a year.
Limited liability insurance quotes are provided by private carriers. However, note that depending on where the LLC is located, getting coverage through state insurance funds might be possible if no companies provide a limited liability insurance quote. Private insurance companies, by the way, offer LLC business insurance quotes online.
Top picks for the best small business liability insurance for LLCs are:
Geico limited liability insurance
Coverwallet limited liability company insurance
The Hartford small business liability insurance for LLCs
Software consultancy offices typically get $1 million general liability insurance and professional liability insurance. The costs of premiums are as follows:
For a $1 million professional liability coverage, the consultancy company insurance cost amounts to $37.5 a month or $450 a year.
For consultancy business, the first factor that affects the cost for professional liability insurance is the number of clients. The second factor that affects professional liability insurance cost is claims history. The third major determinant for software consultancy professional liability insurance average cost is business experience.
How about coverage options? What are the best business liability insurance companies offering coverage? Recommended options are CoverWallet, Thimble, Hiscox, Next, and Geico professional liability insurance.
Provided that $1 million general liability insurance is purchased, the cost of software consultancy service business insurance is $43.16 a month or $517.92 a year. Consultancy general liability business insurance now is determined by factors such as number of employees, deductibles, business history, and more.
Contractor general liability insurance cost $67 a month. If premiums are paid yearly, the cost of general liability insurance for contractors is $804.
But note that considering contractors have good business records and manage to find an employer that offers cheap liability insurance for business, the average cost of general liability insurance for contractors will be much lower than the figures we provided here.
By the way, how is general liability insurance calculated for contractors? Factors that underwriters take into account when determining the price of contractor liability insurance quotes , particularly general liability, are business history, claims history, location, deductibles, and policy limits.
Now that you know how much general liability insurance cost for contractors, let’s talk about the product liability insurance cost estimate next. Provided that $1 million policy limit is provided, then general contractor liability insurance cost will be $41 per month or $492 per year.
CoverWallet business liability insurance
Geico business liability insurance
Small business liability insurance State Farm
Progressive small business liability insurance
The cost of commercial truck liability insurance depends on the type of service and type of vehicle the trucking company is using. For instance, if the trucking company uses a 26 foot box truck then insurance, assuming that cheap liability insurance for small business is purchased, will be $231.75 a month or $2,781 a year.
Liability policies sole proprietorships usually get are general liability insurance, rented property liability insurance, and employer’s liability insurance.
General liability insurance sole proprietorship pricing is $39.58 a month or $474.96 a year for a $1 million coverage.
The cost of employer's liability insurance for sole proprietorships is $33.52 a month or $402.24 a year.
Property liability insurance cost $53.39 a month or $640.68 a year for a $1 million coverage.
Carriers that offer online quotes for business insurance offering $1 million liability coverage to sole proprietorships are CoverWallet, The Hartford, Next, Progressive, and Thimble. Less popular choices for small business liability insurance quotes are Zensurance and Aligned Insurance.
The price of online business liability insurance, provided that the policyholder is covered by general liability, is $56.25 a month or $675 a year. Cyber liability insurance, on the other hand, is $64 a month or $768 a year.
If running an online business , you should consider getting $1 million general liability having products and completed operations or products liability coverage.
Liability policies available for a moving company are general liability, professional liability, employer’s liability, cyber liability, and carrier legal liability. If you’re a moving company owner and are wondering “ What is the cost of these liability insurance for my business?” please find the figures below:
In terms of moving company general liability coverage, the cost for liability insurance for small business will be $104.16 a month or $1,250 a year. Factors that affect average liability insurance premiums for general.liability insurance are revenue, business size, claims history, and more. So which business insurance companies provide the best general liability coverage options? Recommended picks are CoverWallet, Thimble, Hiscox, and Geico general liability insurance.
Professional liability insurance costs for small business, such as a moving company, average $80 a month. If paid yearly, then the small business liability insurance costs for premiums average $960 a year. The cost to get liability insurance for business, in terms of purchasing professional liability insurance, is affected by factors such as the nature of operations, business history, and claims history.
Carrier legal liability insurance for small business owners costs $103 a month. If paid annually, then carrier legal liability insurance for companies offering moving services will be $1,236. Factors that affect carrier legal liability insurance average cost are the type of load, state insurance requirements, and more.
Employer’s liability insurance USA pricing for moving companies is $125 a month. Premiums for this kind of comprehensive liability insurance against work-related compensation disputes can be paid yearly, and the cost of employer’s liability insurance for business such as a moving company is $1,500.
For cyber liability coverage, moving companies pay for a small business liability insurance amounting to $70.83 a month. Annual premiums for this type of commercial liability insurance policy, on the other hand, are $849.96. Factors that affect liability cost insurance are claims history, sensitivity of data handled or stored, and more.
The best liability coverage options for moving companies are:
CoverWallet business insurance
Progressive Commercial business insurance
Thimble business insurance
AAA business insurance
Hiscox business insurance
Geico small business insurance
Get all the best quotes from leading providers in a click of a button!
The rates are as follows:
General liability insurance Texas cost is $51 a month or $612 a year
Business liability insurance Texas cost is $38.27 a month or $459.24 a year, provided that the business gets professional liability coverage only
For employer’s liability insurance, small business insurance Texas cost $76.23 a month or $914.76 a year
If you’re wondering where to get business liability insurance quotes, commercial insurance Austin TX as well as quotes for other areas are offered by companies such as:
Texas recommends businesses to get commercial liability insurance quote from private carriers. Note that if no company is willing to provide business liability insurance quote to purchase, businesses in Texas can decide to self-insure.
The cost of commercial liability insurance NJ are as follows:
Commercial general liability insurance NJ is $33 a month or $396 a year
Provided that the customer qualifies for a cheap insurance for business, professional liability in New Jersey is only $28 a month or $336 a year
Businesses in New Jersey can get a business liability insurance quote from any commercial insurance carrier allowed in the state to do business. If a business can’t get GL insurance quotes, the owner or manager can decide to self-insure so long as certain requirements are met. Check out New Jersey’s department of insurance to know the best place to get small business insurance in New Jersey.
Business liability insurance California cost are as follows:
General liability insurance California cost large businesses $110 a month or $1,320 a year. On the other hand, general liability insurance cost California small businesses $60 a month or $720 a year.
Professional liability insurance for business cost $45.23 a month or $542.76 a year for small businesses in California.
So how to get general liability insurance for a business in California as well as other related coverage? California’s state government allows businesses to get commercial general liability insurance quote through private insurance companies or brokers. Self-insurance is also allowed.
General liability insurance Florida cost $180 per month or $2,160 a year. However, note that some get cheap general liability insurance Florida pricing which is $42 a month or $504 a year. The cost of general liability insurance Jacksonville FL as well as other areas in the state - rural or urban - lands on the figures we mentioned.
How do I get insurance for my business in Florida? Here’s the answer to your question. Business insurance quotes Florida are provided by private insurance carriers. Businesses are also allowed to self-insure if state requirements are met. Some companies that offer the cheapest general liability insurance for small business in Florida are NEXT, Hiscox, and Allstate .
This table shows the pricing and the selling points of the companies in the review below:
| ||Cost per Month||Cost per Year||Best for|
|CoverWallet||$39||$468||Compare insurance quotes and get liability insurance for business online|
|Thimble||$45||$540||Short-term liability insurance|
|Next||$62||$744|| People wondering, “where to get insurance for my business with liability coverages sold at discounted rates” |
|Hiscox||$73||$876||Liability insurance having more than $1 million limits|
|Progressive||$102||$1,224||Liability coverage for trucking companies|
|Commercial Insurance||$115||$1,380||Fast liability coverage claims process|
Get a business insurance quote from different carriers and compare online
Easy online policy management
Not a carrier but a broker that allows you to buy small business insurance online
CoverWallet isn’t a business insurance carrier. Instead, it’s a broker selling the liability coverages of its partners such as Progressive. The best thing about this company is that you can get business insurance quotes offering $1 million liability coverage online.
Use CoverWallet’s online quote comparison platform to get liability coverage tailored for businesses in different locations. Purchase NC general liability insurance and other covered areas.
Best for: Customers wanting to compare insurance quotes and get liability insurance for business online
Average cost: $39
Our rating: 10/10
Small business insurance calculator: CoverWallet doesn’t have any. Instead, its online quotes comparison platform serves as a liability insurance estimator that collects the offers and pricing of different carriers.
Short-term liability policies
Instant proof of insurance
Buy insurance quickly online
Customer support is only available online
Are you asking yourself if getting insurance for my business as a short-term policy possible? The answer to this is yes with Thimble . Thimble allows you to buy general liability insurance online as well as other liability coverages by the hour, days, weeks, or months. From Thimble, customers can get short-term general liability insurance Connecticut and other covered states.
Best for: Short-term liability insurance
Average cost: $45
Our rating: 9/10
Business insurance cost estimator: Thimble has a business insurance calculator that can estimate the pricing of its liability policies.
Send proof of insurance as a text message, email, or photo
Intuitive policy management platform
Get proof of insurance instantly
Best small business general liability insurance that can be bundled with other liability policies
Fast general liability insurance quotes online as well as other liability coverages
Next’s rates can be expensive for high-risk businesses
NEXT offers tailored liability insurance policies to hundreds, or even thousands, of businesses and professions. This company is the answer for those asking how to get business insurance with discounted rates if liability coverages are bundled. Next offers business liability insurance MA and other states.
Best for: People wondering, “ where to get insurance for my business with liability coverages sold at discounted rates
Average cost: $62
Our rating: 9/10
Small business insurance cost calculator: NEXT has a business liability insurance cost estimator that allows you to estimate the pricing of your general liability coverage.
Offers more than $1 million limits in its liability policies
Provides risk management business resources
Too many complaints
Hiscox offers liability policies that offer more than $1 million in coverage. This company covers businesses in different sectors and provides risk management resources tailored for each.
Best for: Liability insurance having more than $1 million limit
Average cost: $73
Our rating: 9/10
Liability insurance calculator: None
Offers comprehensive liability policies for companies in the trucking sector
Allows customers to get custom deductibles
Claims filing can be slow
Progressive business liability insurance is usually availed by companies in the trucking sector. But note that liability policies are also available for other businesses. For instance, Progressive commercial general liability insurance is also offered to food truck businesses, food cart businesses, and others. Progressive insurance general liability coverage, as well as other liability policies, starts at $1 million limit.
Best for: Liability coverage for trucking companies
Average cost: $102
Our rating: 8/10
Commercial insurance calculator: None
Rates go toe to toe with some popular commercial insurance
Fast claims process
Not a popular company for liability coverage
Commercial Insurance Center’s liability coverage rates go toe to toe with State Farm business insurance cost. Commercial insurance center reviews state that the company provides wonderful products liability coverage that can be easily claimed.
Best for: Fast liability coverage claims process
Average cost: $115
Our rating: 7/10
Product liability insurance calculator: None
Get all the best quotes from leading providers in a click of a button!
General liability insurance is one type of liability coverage. Its function is to cover the cost of third-party property damage claims and personal injury claims caused by slips and falls and other related accidents.
Personal liability insurance is a liability coverage included in homeowners insurance and renters insurance. However, personal liability insurance for business is also available and can be used to cover accidents that happen within business premises.
10 million liability insurance cost $200 per month or $2,400 a year depending on the type of liability coverage purchased.
The average insurance for small business is $1 million or $2 million. However, some carriers are willing to give more limits to businesses with high risks but with good standing.
Certificate of liability insurance cost nothing. This should be provided by the carrier free of any charges or fees.
Commercial umbrella insurance calculator you can use are:
Protection begins with general liability insurance. All business insurance products offer this. And so, it can be said that general liability is the best liability insurance for small businesses.
Use our free liability insurance quotes generator now. Click the “Get Quotes” button and compare general liability quotes as well as other liability coverages top carriers provide.
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!