https://www.insureon.com/

Scan-ID:
0fee306a-db2f-4adf-a9fd-1e848bf84369Beendet
Eingereichte URL:
https://insureonsolutions.com/Umgeleitet
Bericht beendet:

Die von der Seite ausgehenden identifizierten Links

LinkText
https://up.apps.insureon.comLog In
https://www.facebook.com/insureon/
https://twitter.com/insureon
https://www.linkedin.com/company/insureon/
https://www.instagram.com/1nsureon/
https://www.youtube.com/@Insureon
https://www.tiktok.com/@insureon

JavaScript-Variablen · 58 gefunden

Globale JavaScript-Variablen, die in das Window Object einer Seite geladen werden, sind Variablen, die außerhalb von Funktionen deklariert werden und von jeder Stelle des Codes innerhalb des aktuellen Bereichs zugänglich sind

NameTyp
0object
1object
2object
3object
4object
onbeforetoggleobject
documentPictureInPictureobject
onscrollendobject
__cfQRobject
dataLayerobject

Konsolenprotokoll-Meldungen · 42 gefunden

In der Web-Konsole protokollierte Meldungen

TypKategorieProtokoll
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Index] Hydrating
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Index] Environment is production
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Update Context] JSHandle@object
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Layout] route home
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Modal CTA Provider] is modal open false
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search Modal Provider] is modal open false
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[useSafariPageLoadPersist: Search Modal state] attach listener
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] Initial client breakpoint tablet
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[useSafariPageLoadPersist: Modal CTA state] attach listener
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[useSafariPageLoadPersist: Typeahead Container - HeroAppStartSwitchHero] attach listener
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[List Results] fetch professions
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] Initial client breakpoint tablet
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[useSafariPageLoadPersist: Typeahead Container - BottomCTA] attach listener
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
errorsecurity
URL
https://www.insureon.com/
Text
Access to fetch at 'https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2' from origin 'https://www.insureon.com' has been blocked by CORS policy: No 'Access-Control-Allow-Origin' header is present on the requested resource. If an opaque response serves your needs, set the request's mode to 'no-cors' to fetch the resource with CORS disabled.
errornetwork
URL
https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2
Text
Failed to load resource: net::ERR_FAILED
errorsecurity
URL
https://www.insureon.com/
Text
Access to fetch at 'https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2' from origin 'https://www.insureon.com' has been blocked by CORS policy: No 'Access-Control-Allow-Origin' header is present on the requested resource. If an opaque response serves your needs, set the request's mode to 'no-cors' to fetch the resource with CORS disabled.
errornetwork
URL
https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2
Text
Failed to load resource: net::ERR_FAILED
errorsecurity
URL
https://www.insureon.com/
Text
Access to fetch at 'https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2' from origin 'https://www.insureon.com' has been blocked by CORS policy: No 'Access-Control-Allow-Origin' header is present on the requested resource. If an opaque response serves your needs, set the request's mode to 'no-cors' to fetch the resource with CORS disabled.
errornetwork
URL
https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2
Text
Failed to load resource: net::ERR_FAILED
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
errorsecurity
URL
https://www.insureon.com/
Text
Access to fetch at 'https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2' from origin 'https://www.insureon.com' has been blocked by CORS policy: No 'Access-Control-Allow-Origin' header is present on the requested resource. If an opaque response serves your needs, set the request's mode to 'no-cors' to fetch the resource with CORS disabled.
errornetwork
URL
https://telemetry.insureon.com/api/1/envelope/?sentry_key=234c2462b28a469e8e3a0c8ec3df2d23&sentry_version=7&sentry_client=sentry.javascript.react%2F7.119.2
Text
Failed to load resource: net::ERR_FAILED
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] change listener for desktop
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] change listener for desktop
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] change listener for mobile
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] change listener for mobile
logjavascript
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Search App Container] app state JSHandle@object
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] change listener for tablet
logother
URL
https://www.insureon.com/dist/cms-sitecore/static/js/main.161b13b0.js
Text
[Media] change listener for tablet
errorother
URL
https://www.youtube.com/s/player/fb725ac8/www-widgetapi.vflset/www-widgetapi.js
Text
Failed to execute 'postMessage' on 'DOMWindow': The target origin provided ('https://www.youtube.com') does not match the recipient window's origin ('https://www.insureon.com').
errorother
URL
https://www.youtube.com/s/player/fb725ac8/www-widgetapi.vflset/www-widgetapi.js
Text
Failed to execute 'postMessage' on 'DOMWindow': The target origin provided ('https://www.youtube.com') does not match the recipient window's origin ('https://www.insureon.com').
errorother
URL
https://www.youtube.com/s/player/fb725ac8/www-widgetapi.vflset/www-widgetapi.js
Text
Failed to execute 'postMessage' on 'DOMWindow': The target origin provided ('https://www.youtube.com') does not match the recipient window's origin ('https://www.insureon.com').

HTML

Der HTML-Rohtext der Seite

<!DOCTYPE html><html lang="en" class="q221-body"><head><title>Buy Business Insurance: Online Quotes in Minutes | Insureon</title><meta data-react-helmet="true" name="description" content="Save time and money when you shop for small business insurance online with Insureon. Get quotes from leading insurance providers to protect your business."><meta data-react-helmet="true" name="robots" content="index, follow"><meta data-react-helmet="true" name="twitter:card" content="summary_large_image"><meta data-react-helmet="true" name="twitter:site" content="@insureon"><meta data-react-helmet="true" name="twitter:creator" content="@insureon"><meta data-react-helmet="true" property="og:type" content="website"><meta data-react-helmet="true" property="og:image" content="https://www.insureon.com/-/media/default-social-share-images/social-share_compare-multiple-business-insurance-quotes-online.jpg?h=630&amp;iar=0&amp;w=1200&amp;rev=1f6e167a94864d12b93c199643342e05"><meta data-react-helmet="true" name="twitter:image" content="https://www.insureon.com/-/media/default-social-share-images/social-share_compare-multiple-business-insurance-quotes-online.jpg?h=630&amp;iar=0&amp;w=1200&amp;rev=1f6e167a94864d12b93c199643342e05"><meta data-react-helmet="true" name="twitter:image:alt" content="Complete Insureon’s easy online application to compare quotes from top U.S. carriers. "><meta data-react-helmet="true" name="twitter:title" content="Buy Business Insurance: Online Quotes in Minutes | Insureon"><meta data-react-helmet="true" name="twitter:description" content="Save time and money when you shop for small business insurance online with Insureon. Get quotes from leading insurance providers to protect your business."><meta data-react-helmet="true" property="og:title" content="Buy Business Insurance: Online Quotes in Minutes | Insureon"><meta data-react-helmet="true" property="og:url" content="https://www.insureon.com/"><meta data-react-helmet="true" property="og:description" content="Save time and money when you shop for small business insurance online with Insureon. Get quotes from leading insurance providers to protect your business."><meta data-react-helmet="true" property="fb:app_id" content="2473951522635875"><meta data-react-helmet="true" name="VirtualFolder" content="/"><meta data-react-helmet="true" http-equiv="X-UA-Compatible" content="IE=edge"><link data-react-helmet="true" rel="canonical" href="https://www.insureon.com/"><style>body,html{margin:0;min-height:100%;min-width:100%;padding:0;width:100%;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}body{overflow-x:hidden}*{box-sizing:border-box}p:first-child{margin-top:0}p:last-child{margin-bottom:0}body,html{color:#2b2a3a;font-family:Open Sans,sans-serif;line-height:1.4}.copy-article{font-size:.875rem}@media screen and (min-width:768px){.copy-article{font-size:1rem}}.copy-article .block{margin-top:2.5rem}@media screen and (min-width:768px){.copy-article .block{margin-top:3.125rem}}.copy .block{margin-top:3.125rem}@media screen and (min-width:768px){.copy .block{margin-top:3.75rem}}.nav_vy8hq{position:sticky;top:0;z-index:7}.navbar_vy8hq{align-items:stretch;background-color:#fff;border-bottom:.062em solid #d9d8ea;display:flex;justify-content:space-between;min-height:4.062em;position:relative;z-index:8}.dark_vy8hq .navbar_vy8hq{background-color:#2b2a3a;border-bottom-color:#0000}.left_vy8hq,.left_vy8hq .menu_vy8hq{align-items:center;display:flex}.left_vy8hq .menu_vy8hq{align-self:stretch;cursor:pointer;justify-content:flex-end;padding-right:.812em;position:relative;width:3.125em}.left_vy8hq .menu_vy8hq:before{background:url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxOCIgaGVpZ2h0PSIxMyI+PHBhdGggZmlsbD0ibm9uZSIgc3Ryb2tlPSIjMkIyQTNBIiBzdHJva2UtbGluZWNhcD0ic3F1YXJlIiBkPSJNMTcuNDU5IDExLjkzMkgxLjQzMk0xNy40NTkgNi42NkgxLjQzMm0xNi4wMjctNS4yNzRIMS40MzIiLz48L3N2Zz4=) no-repeat 50%;bottom:0;opacity:1;top:0}.left_vy8hq .menu_vy8hq:after,.left_vy8hq 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.menu_vy8hq:before{background-image:url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxOCIgaGVpZ2h0PSIxMyI+PHBhdGggZmlsbD0ibm9uZSIgc3Ryb2tlPSIjRkZGIiBzdHJva2UtbGluZWNhcD0ic3F1YXJlIiBkPSJNMTcuNDU5IDExLjkzMkgxLjQzMk0xNy40NTkgNi42NkgxLjQzMm0xNi4wMjctNS4yNzRIMS40MzIiLz48L3N2Zz4=)}.dark_vy8hq .left_vy8hq .menu_vy8hq:after{background-image:url(data:image/svg+xml;base64,PHN2ZyB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciIHdpZHRoPSIxNiIgaGVpZ2h0PSIxNiI+PGcgZmlsbD0iI0ZGRiIgZmlsbC1ydWxlPSJldmVub2RkIj48cGF0aCBkPSJNLjQyMSAxNC4zMjUgMTQuMDkxLjY1NWwxLjM2NyAxLjM2Ny0xMy42NyAxMy42N3oiLz48cGF0aCBkPSJNMTQuMDkyIDE1LjY5Mi40MjIgMi4wMjIgMS43ODcuNjU1bDEzLjY3MSAxMy42N3oiLz48L2c+PC9zdmc+)}.right_vy8hq{align-items:center;display:flex}@media screen and (max-width:360px){.right_vy8hq{padding-right:.3rem}}@media screen and (min-width:320px)and 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data-s="">.css-16jtvwa{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:grid;-webkit-flex:1;-ms-flex:1;flex:1;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-overflow-scrolling:touch;position:relative;overflow:hidden;padding:2px 8px;box-sizing:border-box;text-align:left;padding-left:20px;padding-right:0;}</style><style data-emotion="css s4z2zp-placeholder" data-s="">.css-s4z2zp-placeholder{grid-area:1/1/2/3;color:#2b2a3a;margin-left:2px;margin-right:2px;box-sizing:border-box;left:0;font-size:.8rem;}@media (min-width: 480px){.css-s4z2zp-placeholder{font-size:1rem;margin-left:.25rem;}}@media (min-width: 768px){.css-s4z2zp-placeholder{font-size:1.125rem;margin-left:.139rem;}}</style><style data-emotion="css 1fo425m" data-s="">.css-1fo425m{visibility:visible;-webkit-flex:1 1 auto;-ms-flex:1 1 auto;flex:1 1 auto;display:inline-grid;grid-area:1/1/2/3;grid-template-columns:0 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80%);padding:8px;box-sizing:border-box;}.css-1xc3v61-indicatorContainer:hover{color:hsl(0, 0%, 60%);}</style><style type="text/css">/*
  code is extracted from Calendly's embed stylesheet: https://assets.calendly.com/assets/external/widget.css
*/

.calendly-inline-widget,
.calendly-inline-widget *,
.calendly-badge-widget,
.calendly-badge-widget *,
.calendly-overlay,
.calendly-overlay * {
    font-size:16px;
    line-height:1.2em
}

.calendly-inline-widget iframe,
.calendly-badge-widget iframe,
.calendly-overlay iframe {
    display:inline;
    width:100%;
    height:100%
}

.calendly-popup-content {
    position:relative
}

.calendly-popup-content.calendly-mobile {
    -webkit-overflow-scrolling:touch;
    overflow-y:auto
}

.calendly-overlay {
    position:fixed;
    top:0;
    left:0;
    right:0;
    bottom:0;
    overflow:hidden;
    z-index:9999;
    background-color:#a5a5a5;
    background-color:rgba(31,31,31,0.4)
}

.calendly-overlay .calendly-close-overlay {
    position:absolute;
    top:0;
    left:0;
    right:0;
    bottom:0
}

.calendly-overlay .calendly-popup {
    box-sizing:border-box;
    position:absolute;
    top:50%;
    left:50%;
    -webkit-transform:translateY(-50%) translateX(-50%);
    transform:translateY(-50%) translateX(-50%);
    width:80%;
    min-width:900px;
    max-width:1000px;
    height:90%;
    max-height:680px
}

@media (max-width: 975px) {
    .calendly-overlay .calendly-popup {
        position:fixed;
        top:50px;
        left:0;
        right:0;
        bottom:0;
        -webkit-transform:none;
        transform:none;
        width:100%;
        height:auto;
        min-width:0;
        max-height:none
    }
}

.calendly-overlay .calendly-popup .calendly-popup-content {
    height:100%;
}

.calendly-overlay .calendly-popup-close {
    position:absolute;
    top:25px;
    right:25px;
    color:#fff;
    width:19px;
    height:19px;
    cursor:pointer;
    background:url(https://assets.calendly.com/assets/external/close-icon.svg) no-repeat;
    background-size:contain
}

@media (max-width: 975px) {
    .calendly-overlay .calendly-popup-close {
        top:15px;
        right:15px
    }
}

.calendly-badge-widget {
    position:fixed;
    right:20px;
    bottom:15px;
    z-index:9998
}

.calendly-badge-widget .calendly-badge-content {
    display:table-cell;
    width:auto;
    height:45px;
    padding:0 30px;
    border-radius:25px;
    box-shadow:rgba(0,0,0,0.25) 0 2px 5px;
    font-family:sans-serif;
    text-align:center;
    vertical-align:middle;
    font-weight:bold;
    font-size:14px;
    color:#fff;
    cursor:pointer
}

.calendly-badge-widget .calendly-badge-content.calendly-white {
    color:#666a73
}

.calendly-badge-widget .calendly-badge-content span {
    display:block;
    font-size:12px
}

.calendly-spinner {
    position:absolute;
    top:50%;
    left:0;
    right:0;
    -webkit-transform:translateY(-50%);
    transform:translateY(-50%);
    text-align:center;
    z-index:-1
}

.calendly-spinner>div {
    display:inline-block;
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    height:18px;
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    animation:calendly-bouncedelay 1.4s infinite ease-in-out;
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    animation-fill-mode:both
}

.calendly-spinner .calendly-bounce1 {
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    animation-delay:-0.32s
}

.calendly-spinner .calendly-bounce2 {
    -webkit-animation-delay:-0.16s;
    animation-delay:-0.16s
}

@-webkit-keyframes calendly-bouncedelay {
    0%,80%,100% {
        -webkit-transform:scale(0);
        transform:scale(0)
    } 
    
    40%{
        -webkit-transform:scale(1);
        transform:scale(1)
    }
}

@keyframes calendly-bouncedelay{ 
    0%,80%,100% {
        -webkit-transform:scale(0);
        transform:scale(0)
    }
    
    40% {
        -webkit-transform:scale(1);
        transform:scale(1)
    }
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style="height: 80px; width: 750px;"><div></div><img alt="Carrier partner logos for The Hartford, Liberty Mutual Insurance, Chubb, Travelers, AmTrust Financial, and Acuity Insurance." width="750" height="80" src="https://www.insureon.com/-/media/logos/carrier-band-logos/tablet/slides/image_carrierband__tablet_hartford-to-acuity-color.svg?rev=26d20babccf14d94a80130eaa95a458b"></div></div><div data-test-id="VideoComponentWithList-Wrap" class="multiColumnVideoContainer_h-a2j VideoComponentWithList q221"><div class="multiColumnVideo_h-a2j"><h2 class="header_h-a2j">Three steps to insure your business</h2><div class="columns_h-a2j"><div class="leftColumn_h-a2j"><div class="multiColVideoComponent_h-a2j"><div data-test-id="video-container" class="root_Xy+NB Video"><div class="parent_q35eO"><div class="child_q35eO"></div></div></div><div class="transcriptContainer_h-a2j"><div data-test-id="VideoComponentWithList-TranscriptPanel" class="contain_yQnKQ transcriptAccordion_0bRTJ CollapsiblePanel"><div class="accordion_0bRTJ"><div class="closed_0bRTJ"><div class="accordionItemTitle_0bRTJ headingClosed_0bRTJ"><div class="toggle_h-a2j"><span class="titleHeading_h-a2j">View video transcript.</span></div></div><div class="accordionItemContainer_0bRTJ body_h-a2j" hidden="until-found" style="height: 0px;"><div><h4>I. Leadership roundtable discussion introduction</h4>
<p><strong>JENNY RUNDE, SENIOR VP PRODUCT DEVELOPMENT:</strong> Insureon is the largest provider of small business insurance online. We make it easy for small business owners to come to our site and find coverage for their businesses. They can come to our website, fill out a single application, and get quotes back in seconds from all of the top carriers. And at that point, they're in the hands of our our insurance agents who can walk them through all their questions, all of their concerns and make sure that they've got the coverage that they need.</p>
<h4>II. How do our experts ensure you get what you need?</h4>
<p><strong>KARI ALLEN, VP SALES:</strong> We have best-in-class sales producers who are dedicated to small market. They specialize in the micro businesses and focus completely on what are the needs of the small business client, what questions might they have, and where to direct them to help them understand coverages. We found that over 90% of small business customers don't understand the coverage insurance that they need, so their job is to help them understand what they need, and how to get that coverage in place. And so they walk them through as their trusted advisor.</p>
<h4>III. What do we deliver long-term for small business owners?</h4>
<p><strong>DY KUNKEL, VP ACCOUNT MANAGEMENT:</strong> After the producers write the coverage for the clients, then it transfers over to our account management team, which our account management team's goal is to provide ease to the customers and retain their business. Our customers are really busy as business owners trying to run their small business, so it's our job to make their lives easier and provide them with that comfort and support of giving them the insurance that they need for their business.</p>
<h4>IV. What added value comes along with that?</h4>
<p><strong>JENNIFER CROMLY, DIRECTOR SALES, OPERATIONS, ANALYTICS:</strong> We provide value because we are an insurance agency that works with small business owners all over the country. And in doing so, we provide the business owner the autonomy to be able to provide us their information on their timetable.</p>
<p>We have such strong relationships with all of our carriers and our experienced producers so that wherever that small business owner is located, we have a carrier that is going to provide the most competitive coverage and the most comprehensive coverage, and we're then going to be able to maintain this relationship with the small business owner throughout their growth and changes as they also develop as a small business owner. I think as a small business owner there is so much responsibility that they have, and protecting their business from loss is one of the largest exposures that they have, and it's our privilege to be able to work with them.</p>
<h4>V. What insurance companies can you choose from?</h4>
<p><strong>MAURA BENSON, DIRECTOR CARRIER RELATIONSHIPS:</strong> We partner with A+ rated carriers in order to accommodate many different types of small business owners and and what they're doing. Anything from lawn care and accounting, to restaurants and IT Consultants. By establishing these strong relationships, we're able to provide competitive rates as well as have a good understanding of the service center capabilities and just being able to give our clients the the best options available in the market.</p>
<h4>VI. How do small business owners find us?</h4>
<p><strong>YULIA KRONROD, SENIOR VP CUSTOMER ACQUISITION:</strong> Most customers find us through Google, but the way they search for information varies greatly. Some people search for their profession and how they can protect their type of business with insurance, others search for policy type. Yet, others just simply ask a question "Do I need insurance at all?" or "How do I renew my policy?" and things like that, so we try to educate customers on all those types of queries that they ask in Google or other search engines. We have information around what type of policies you need if you run this type of business, what a specific type of policy covers, we have educational articles for them on how to start and develop their business into something viable that they can succeed with, and things like that.</p>
<h4>VII. What are we doing to make it easy for small business owners to buy insurance?</h4>
<p><strong>JENNY RUNDE:</strong> We know that many of our customers are a brand new business or new to buying business insurance, and so it can be a really stressful decision to make and one of the first things we try to do on our site is really educate people. Give them all the articles and the blogs and the information that's going to help educate them and inform them on what they need and what their options are. We also have the ability through technology to actually recommend products to them so have them answer a few simple questions about their business, and in seconds basically can recommend the types of insurance that they might need to cover their businesses.</p>
<p>So once they're at a point where they feel fairly comfortable with the types of insurance that they might need, and they've got some of those questions answered, then it's really our goal to make that process as seamless as possible in filling out the application. So from there they can select their profession type, they fill out a simple application online, and in the seconds they're able to get prices that are real time prices with all of the best carriers.</p>
<p><strong>KARI ALLEN:</strong> By the time the application comes in and they compare coverages and they've either selected to go with certain carrier it's our producer's job to take a look at everything they put in, make sure that that makes sense, and then reach out to the customer and interact with them the way they want to be interacted with, whether that's text, whether that's phone, or whether that's email. And what they do is really review the coverages that they put together and you say "Does this make sense? What state is it in? Are our producers are licensed  in every state? What carrier's actions do they have? Have they chosen a carrier that makes sense for their needs?"</p>
<p>And I think, to put a bow on it, obviously in insurance and potential insurance, that small business customers are going to have questions, and we can interact with these customers again how they want to be interacted with, but they're going to have questions about "What is covered? What isn't covered? How do I file a claim? What are some things that I need to be aware of as I'm issuing the policies?" And that's what our people are there for that to make sure that we put the customer and small business customers needs first and make sure that they are covered and, you know, set their mind at ease. </p>
<p><strong>DY KUNKEL:</strong> After our clients have selected coverage through Kari's team, then they have the ability to go on and review that coverage again on our customer portal. Our customer portal also offers them the ability to look back at policies they've had previously, make changes to their current policies, request endorsements if they need to on that coverage. They can also get a certificate of insurance that shows proof of their coverage that they do have today. They can review which carriers they're with, as well, and the pricing of the coverage they have currently. And they can also find their insurance agent to get in contact with them, all by using our customer portal.</p>
<h4>VIII. Where and when are we talking to customers?</h4>
<p><strong>JENNY RUNDE:</strong> Small business owners are...they're busy people. They're not always in front of their desk, right? They're growing their businesses, they're working with customers, they're out in the field. And so we know as an organization that we have to meet them where they are. And we have to be available when they are. And so for us, we really think very often about mobile as a key channel for our customers. So many of our customers come to us via their mobile devices, right? They could be could be late at night after leaving a job site, and that's the only time that they have to be able to search for insurance, and so that's where we really focus on our website of being optimized for that mobile experience so that it is as easy for them to buy insurance via their mobile device or their desktop as it would be walking into a brick and mortar.</p>
<p><strong>KARI ALLEN:</strong> If you're a landscaper and you need a certificate of insurance and you need to change your coverage the next day, you can go on your mobile phone make, that option choice, and you can text, or call, or email with a producer at your convenience, and they can send you the application where you can digitally sign it and you've got a policy by that next day. It's just all at your fingertips, which is amazing.</p>
<p><strong>JENNIFER CROMLY:</strong> And then just getting the certificate of insurance when you need it, right? Because those always come at the last minute. The request comes at the last minute, or you've forgotten about it, and how do we do that?</p>
<p><strong>DY KUNKEL:</strong> You can pull it up on your customer portal all on your cell phone.</p>
<p><strong>MAURA BENSON:</strong> And you don't have to worry about the the business being closed, or having to get to the office before you do something else that day, or to the agent's office.</p>
<p><strong>DY KUNKEL:</strong> Or print it. Just do it online. It's all digital.
</p>
<p><strong>JENNIFER CROMLY:</strong> And even though we're an online agency, we still provide that personal touch and that relationship with our business owners?</p>
<p><strong>KARIE ALLEN:</strong> Oh yes, absolutely.</p>
<h4>IX. Is Insureon right-sized for your business</h4>
<p><strong>JENNIFER CROMLY:</strong> We can be that countrywide resource to where if you have one location in one state or multiple locations in multiple states, we're going to have the insurance companies being able to partner with you and provide you coverage throughout your process of owning your business. Or if you are that hometown small business owner, we have the right solution for you as well, because we're a small business agency as well.</p>
<p><strong>JENNY RUNDE:</strong> And that's really where I think our technology comes into play and adds value, because a small business owner does not have time to go to 10 different companies and search for all the different options that are out there, they don't have that kind of time. That's not their priority. And so that's where we can do that heavy lifting for them is bring them to our site, put them through a very simple and customized application that gets them through in minutes, and gets them quotes so that they can move on with their day and they can focus on what they should be focusing on, which is growing their business.</p></div></div></div></div></div></div></div></div><div class="rightColumn_h-a2j"><div class="contain_yQnKQ block wrap_YJNkA SpecialList"><div class="imageContainer_YJNkA"><img alt="Purple circle 1" width="50" height="50" title="Purple circle 1" src="https://www.insureon.com/-/media/special-list-icons/numbered-list/icon_list_1.svg?h=50&amp;iar=0&amp;w=50&amp;rev=e82e883144874f1396bf1c1bbbc5c686"></div><div class="textContainer_YJNkA">Fill out one online application that reaches all our carriers</div></div><div class="contain_yQnKQ block wrap_YJNkA SpecialList"><div class="imageContainer_YJNkA"><img alt="Purple circle 2" width="50" height="50" title="Purple circle 2" src="https://www.insureon.com/-/media/special-list-icons/numbered-list/icon_list_2.svg?h=50&amp;iar=0&amp;w=50&amp;rev=c29bc52b74fc4e459c6cffe4c3fec954"></div><div class="textContainer_YJNkA">Find the right policies for your business</div></div><div class="contain_yQnKQ block wrap_YJNkA SpecialList"><div class="imageContainer_YJNkA"><img alt="Purple circle 3" width="50" height="50" title="Purple circle 3" src="https://www.insureon.com/-/media/special-list-icons/numbered-list/icon_list_3.svg?h=50&amp;iar=0&amp;w=50&amp;rev=dba6dda944744a77b5d0b3831ca6a39a"></div><div class="textContainer_YJNkA">Start your coverage today</div></div></div></div></div></div><div class="center_bEcSD xlarge_bEcSD root_bEcSD ModalCTA"><button class="buttonQ221_YzLfr xlarge_YzLfr primary_YzLfr enabled_YzLfr Button" data-test-id="homeVideoCallToAction"><span class="title_YzLfr">Get Started</span></button></div><div data-test-id="Section" class="Section block section_8lLFz" style="background-color: rgb(240, 242, 245);"><div data-test-id="PolicyCardList" class="PolicyCardList root_YAahv"><h2 class="heading_YAahv h2 brick">Top business insurance policies</h2><div class="descriptor_YAahv descriptor brick">No small business is the same, but many companies share the same risks. These key commercial insurance policies can protect you from common accidents, lawsuits, and damages. Our expert agents can offer advice based on your unique needs. Check out some of the top policies we offer.</div><div class="cards_YAahv footMargin_YAahv"><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="General liability icon" width="48" height="48" title="General liability icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/insurance-policy-icons-purple/icon_policy_general-liability.svg?h=48&amp;iar=0&amp;w=48&amp;rev=2ea6c5849dc44da388d767747dc66be7"></div><a href="/small-business-insurance/general-liability" title="Learn more about commercial general liability insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">General liability insurance</h3></div></a><div class="card-descriptor"><div><p>This policy covers common business risks including bodily injuries, customer property damage, and advertising injuries. It's required for most commercial leases.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Slip-and-fall accidents</li>
    <li>Damaged customer property</li>
    <li>Libel and slander lawsuits</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Professional liability icon" width="48" height="48" title="Professional liability icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/insurance-policy-icons-purple/icon_policy_professional-liability.svg?h=48&amp;iar=0&amp;w=48&amp;rev=5bab870b3f974e868c67c1029369fe6f"></div><a href="/small-business-insurance/professional-liability" title="Learn more about professional liability insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Professional liability insurance</h3></div></a><div class="card-descriptor"><div><p>This policy, also called errors and omissions insurance (E&amp;O), can help cover legal expenses if a business is sued for a mistake, missed deadline, or other unsatisfactory work.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Professional negligence lawsuits</li>
    <li>Project scope disputes</li>
    <li>Work mistakes or oversights</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Workers' compensation icon" width="48" height="48" title="Workers' compensation icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/insurance-policy-icons-purple/icon_policy_workers-comp.svg?h=48&amp;iar=0&amp;w=48&amp;rev=52dd8ba6fdcb4dc0ae7576ba04a4a5c9"></div><a href="/small-business-insurance/workers-compensation" title="Learn more about workers' compensation insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Workers' compensation insurance</h3></div></a><div class="card-descriptor"><div><p>Workers’ compensation insurance is required in almost every state for businesses that have employees. It can cover medical costs for work-related injuries.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Employee medical expenses</li>
    <li>Disability benefits</li>
    <li>Lawsuits from employee injuries</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Errors and omissions insurance icon" width="48" height="48" title="Errors and omissions insurance icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/policy-icon_errors-and-omissions--color-48.svg?h=48&amp;iar=0&amp;w=48&amp;rev=706357b2856644e1b1958eae18faad8e"></div><a href="/small-business-insurance/errors-omissions" title="Learn more about errors and omissions (E&amp;O) insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Errors and omissions insurance</h3></div></a><div class="card-descriptor"><div><p>E&amp;O insurance helps cover legal costs when a customer sues over a mistake, oversight, or delay that caused a financial loss. It's also referred to as professional liability insurance.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Mistakes and oversights</li>
    <li>Breach of contract</li>
    <li>Missed deadlines</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Commercial property icon" width="48" height="48" title="Commercial property icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/insurance-policy-icons-purple/icon_policy_commercial-policy.svg?h=48&amp;iar=0&amp;w=48&amp;rev=c0e5dbab6ed94337b9109102d73c7c42"></div><a href="/small-business-insurance/commercial-property" title="Learn more about commercial property insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Commercial property insurance</h3></div></a><div class="card-descriptor"><div><p>This policy covers a business’s physical structure and its contents, such as inventory, equipment, and furniture. It protects against theft, fire, and other losses and damages.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Fire</li>
    <li>Theft and vandalism</li>
    <li>Windstorms</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Business owner’s policy icon" width="48" height="48" title="Business owner’s policy icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/insurance-policy-icons-purple/icon_policy_business-owners-policy.svg?h=48&amp;iar=0&amp;w=48&amp;rev=16acf31a188b41c2897485ea8e860775"></div><a href="/small-business-insurance/business-owners-policy" title="Learn more about business owner's policy (BOP)" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Business owner's policy</h3></div></a><div class="card-descriptor"><div><p>A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Customer injuries</li>
    <li>Damaged business property</li>
    <li>Business interruption incidents</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Cyber liability icon" width="48" height="48" title="Cyber liability icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/insurance-policy-icons-purple/icon_policy_cyber-liability.svg?h=48&amp;iar=0&amp;w=48&amp;rev=2eb57c4d83c44dc7a2099cdd800670d0"></div><a href="/small-business-insurance/cyber-liability" title="Learn more abut cyber insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Cyber insurance</h3></div></a><div class="card-descriptor"><div><p>This policy helps small businesses survive data breaches and cyberattacks. It can pay for recovery expenses, including the cost of notifying customers affected by a breach.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Data breach lawsuits</li>
    <li>Customer notification expenses</li>
    <li>Fraud monitoring costs</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Umbrella / excess liability insurance icon" width="48" height="48" title="Umbrella / excess liability insurance icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/policy-icon_umbrella-excess-liability--color-48.svg?h=48&amp;iar=0&amp;w=48&amp;rev=7383603b77594d32af18d512132eb943"></div><a href="/small-business-insurance/umbrella-liability" title="Learn more about commercial umbrella insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Commercial umbrella insurance</h3></div></a><div class="card-descriptor"><div><p>Umbrella insurance provides additional coverage once an underlying policy reaches its limit. It can boost the coverage of general liability, commercial auto, and employer's liability insurance.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Personal injury lawsuits</li>
    <li>Auto accident lawsuits</li>
    <li>Employee injury lawsuits</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div><div data-test-id="PolicyCard-Wrap" class="PolicyCard card_a-6Kb"><div class="topWrap_a-6Kb"><div class="icon_a-6Kb"><img alt="Commercial auto insurance icon" width="48" height="48" title="Commercial auto insurance icon" loading="lazy" src="https://www.insureon.com/-/media/insurance-policies/insurance-policy-icons/insurance-policy-icons-color/48px/policy-icon_commercial-auto--color-48.svg?h=48&amp;iar=0&amp;w=48&amp;rev=3f9bea86bb5a4ac592a7d8d2a63e8bd7"></div><a href="/small-business-insurance/commercial-auto" title="Learn more about commercial auto insurance" class="head_a-6Kb"><div data-test-id="PolicyCard-Heading" class="block Heading contain_yQnKQ"><h3 class="h4 headingBottom">Commercial auto insurance</h3></div></a><div class="card-descriptor"><div><p>This policy covers the cost of an accident involving your company vehicle. Most states require this coverage for vehicles owned by a business.</p></div></div></div><div class="bestForWrap_a-6Kb"><div class="bestForHead_a-6Kb">BEST FOR</div><div><ul>
    <li>Auto accident lawsuits</li>
    <li>Damage caused by your vehicle</li>
    <li>Vehicle theft and vandalism</li>
</ul></div></div><div class="buttonWrap_a-6Kb"><div class="buttonGroup_ilFKD"><div class="modalButtonContainer_ilFKD"><button class="buttonQ221_YzLfr primary_YzLfr enabled_YzLfr button modalButton_ilFKD Button" data-test-id="PolicyCard-GetQuoteBtn"><span class="title_YzLfr">Get Quotes</span></button></div><button class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr button learnMoreButton_ilFKD Button" data-test-id="PolicyCard-LearnMoreBtn"><span class="title_YzLfr">Learn More</span></button></div></div></div></div><div class="foot_YAahv"><a href="/small-business-insurance" title="" class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr Button" data-test-id="PolicyCardList-FooterActionBtn"><span class="title_YzLfr">See More Policies</span></a></div></div></div><div data-test-id="Section" class="Section block section_8lLFz" style="background-color: rgb(255, 255, 255);"><div data-test-id="SeriesValueProp-Wrap" class="root_gS2-6 Q221SeriesValueProp"><h2 class="heading_gS2-6">Why Insureon?</h2><div class="descriptor_gS2-6 descriptor">We are the #1 online agency for small business insurance and part of HUB International, the 5th largest insurance broker. We help business owners compare quotes from top-rated insurance companies, buy policies, and manage coverage online.</div><div class="cards_gS2-6"><div class="card_gS2-6"><div class="cardImage_gS2-6"><img src="https://www.insureon.com/-/media/value-proposition-imagery/icon_400000-businesses.jpg?h=80&amp;iar=0&amp;w=350&amp;rev=ba7e265161444b24b56ec4a953f839e8&amp;mh=170" title="400,000 plus small businesses served" alt="400,000 plus small businesses served" height="80" width="350"></div><div class="cardLabel_gS2-6 h4">Small businesses served</div></div><div class="card_gS2-6"><div class="cardImage_gS2-6"><img src="https://www.insureon.com/-/media/value-proposition-imagery/icon_25b-premiums.jpg?h=80&amp;iar=0&amp;w=350&amp;rev=2ec74d8761a646afabbd56fd95473715&amp;mh=170" title="$2.5 billion plus premiums written" alt="$2.5 billion plus premiums written" height="80" width="350"></div><div class="cardLabel_gS2-6 h4">Total premiums written</div></div><div class="card_gS2-6"><div class="cardImage_gS2-6"><img src="https://www.insureon.com/-/media/value-proposition-imagery/icon_15m-policies.jpg?h=80&amp;iar=0&amp;w=350&amp;rev=bb40f7263ea24f92a4b1ac58cbf1e9da&amp;mh=170" title="1.5 million plus policies written" alt="1.5 million plus policies written" height="80" width="350"></div><div class="cardLabel_gS2-6 h4">Total policies delivered</div></div></div></div></div><div data-test-id="Section" class="Section block section_8lLFz" style="background-color: rgb(240, 242, 245);"><div data-test-id="UniversalRouter-Wrap" class="GridRouter typeHome"><div class="brick heading_-JJjO"><h2>Our trusted partners</h2></div><div class="items_-JJjO"><div class="grid item_Siv2w"><a href="/about-us/philadelphia-insurance-companies" title="Our business insurance partner: Philadelphia Insurance" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/philadelphia/logo_philadelphia_black-and-white.svg?rev=833f4ccf41c84676943a27dde5c051a0" alt="The logo for Philadelphia Insurance Companies in black and white." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/nationwide" title="Our business insurance partner: Nationwide" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/nationwide/logo_nationwide-black-and-white.svg?rev=6084705704c3497881f590b06572e080" alt="Logo for Nationwide: &quot;Nationwide is on your side&quot;" width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/the-hartford" title="Our business insurance partner: The Hartford" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/the-hartford/logo_the-hartford-black-and-white.svg?rev=b8c88d774d484c928545e4533d14c394" alt="The Hartford's logo: a deer crossing a stream." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/liberty-mutual" title="Our business insurance partner: Liberty Mutual" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/liberty-mutual/logo_liberty-mutual_black-and-white.svg?rev=b06c8ab373d04637bed78b9951cf12b4" alt="The logo for Liberty Mutual Insurance in black and white." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/chubb" title="Our business insurance partner: Chubb" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/chubb/logo_chubb_black-and-white.png?rev=b21618b94ebe43f3ad77d1cec5d3304e" alt="The logo for Chubb Insurance in black and white." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/hiscox" title="Our business insurance partner: Hiscox" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/hiscox/logo_hiscox_black-and-white.svg?rev=01fad17a76a546ffb9894489b85ffe9d" alt="The logo for Hiscox Insurance in black and white." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/the-hanover" title="Our business insurance partner: The Hanover" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/the-hanover/logo_hanover_black-and-white.svg?rev=1525f3f1d57b4956a864419e1816cd32" alt="The logo for The Hanover Insurance Group in black and white." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/travelers" title="Our business insurance partner: Travelers" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/travelers/logo_travelers_black-and-white.svg?rev=4b63b6780cd04961aeacae09a26c6e45" alt="The logo for Travelers Insurance in black and white." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/acuity-insurance" title="Our business insurance partner: Acuity Insurance" class="anchor_Siv2w"><div class="image_Siv2w"><img src="https://www.insureon.com/-/media/about-us/carrier-logos/acuity/logo_acuity-black-and-white.svg?rev=0534358ae09d417e97a654d8f737f644" alt="The logo for Acuity Insurance in black and white." width="115" height="76" loading="lazy"></div></a></div><div class="grid item_Siv2w"><a href="/about-us/amtrust" title="Our business insurance partner: AmTrust" class="anchor_Siv2w"><div class="image_Siv2w"><img 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we’ve got you covered</div></h2><div class="items_6o7Ab"><a href="/construction-contracting-business-insurance" title="Construction business insurance" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_construction-contracting.svg?rev=d0b3310e44464836bb2cdfde87665b52&amp;mh=90" alt="Hammer" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Construction</div></a><a href="/cleaning-business-insurance" title="Cleaning business insurance" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_cleaning-services.svg?rev=2acdc145185e4d95ac37b2c81b0d35f4&amp;mh=90" alt="Dust pan" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Cleaning services</div></a><a href="/technology-business-insurance" title="Insurance for IT and technology businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_it-tech.svg?rev=9b5baae7fe264108baa48fdcb483dbf3&amp;mh=90" alt="Computer" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>IT / technology</div></a><a href="/healthcare-professionals-business-insurance" title="Insurance for healthcare professionals" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_healthcare-professionals.svg?rev=12ed752461d24d3b8f547b64eea5604f&amp;mh=90" alt="Stethoscope" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Healthcare professionals</div></a><a href="/food-business-insurance" title="Insurance for food and beverage businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_food-beverage.svg?rev=d74dd0752e0c4f818b3e44b206281598&amp;mh=90" alt="Utensils" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Food &amp; beverage</div></a><a href="/installation-business-insurance" title="Insurance for installation businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_installation-professionals.svg?rev=d7f6f6b4eed74534b0ced5b022cc02f7&amp;mh=90" alt="Drill" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Installation</div></a><a href="/landscaping-business-insurance" title="Insurance for landscaping businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_landscaping.svg?rev=12454109244f4c5583b25e25651cb3d0&amp;mh=90" alt="Plant" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Landscaping</div></a><a href="/consulting-business-insurance" title="Consulting business insurance" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_consulting.svg?rev=23534b4ece80442c89f848d00e50ee62&amp;mh=90" alt="Handshake" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Consulting</div></a><a href="/insurance-agent-business-insurance" title="Insurance for insurance professionals" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_insurance-professionals.svg?rev=d8d6d7c401ce454c99610334e4b9a754&amp;mh=90" alt="Shield" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Insurance professionals</div></a><a href="/real-estate-business-insurance" title="Insurance for real estate businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_real-estate.svg?rev=4eb5096e8a4340db856cae8a109259e5&amp;mh=90" alt="Two buildings" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Real estate</div></a><a href="/personal-care-business-insurance" title="Insurance for personal care businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_personal-care.svg?rev=848665d05b3a404ab20ea42aec0942a1&amp;mh=90" alt="Mirror" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Personal care</div></a><a href="/professional-services-business-insurance" title="Insurance for professional services" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_professional-services.svg?rev=6843d79582374afd953bcb49a7010147&amp;mh=90" alt="Briefcase" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Professional services</div></a><a href="/retail-business-insurance" title="Insurance for retail businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_retail.svg?rev=bc8afd87707d445daeaef0fbe7bdd89e&amp;mh=90" alt="Price tag" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Retail</div></a><a href="/finance-accounting-business-insurance" title="Insurance for finance and accounting companies" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_finance-consulting.svg?rev=297c9a291f6948ba84a002df5fa13ef7&amp;mh=90" alt="Calculator" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Finance &amp; accounting</div></a><a href="/design-business-insurance" title="Insurance for building design businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_building-design.svg?rev=f1040bbb5a9048c4bcc165bb3e60d621&amp;mh=90" alt="Blueprint" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Building design</div></a><a href="/media-business-insurance" title="Insurance for media and advertising businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_media-advertising.svg?rev=1a0346f127f94a1d811d76b3be636ff6&amp;mh=90" alt="Megaphone" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Media &amp; advertising</div></a><a href="/nonprofit-business-insurance" title="Insurance for nonprofits" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_non-profit.svg?rev=9f0e5b8ba7a846188e2889f76d1a3522&amp;mh=90" alt="Hands and heart" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Nonprofits</div></a><a href="/photography-video-business-insurance" title="Insurance for photo and video businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_photo-video.svg?rev=f81d950aef5f433192c7d67fef20d7df&amp;mh=90" alt="Camera" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Photo &amp; video</div></a><a href="/sports-fitness-business-insurance" title="Insurance for sports and fitness businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_sports-fitness.svg?rev=9ccaa93d532545b48ea6e91ca6d1d2b6&amp;mh=90" alt="Dumbbell" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Sports &amp; fitness</div></a><a href="/printers-business-insurance" title="Insurance for printing and copying businesses" class="item_6o7Ab" target=""><div class="icon_6o7Ab"><img src="https://www.insureon.com/-/media/industry-and-professions/icons/industry-section/icon_industry_printing-copying.svg?rev=91c4dbd56253405e8caecfa9844ee39b&amp;mh=90" alt="Photocopier" width="160" height="86" data-test-id="IndustryItem-Image" loading="lazy"></div><div>Printing &amp; copying</div></a></div><div class="foot_6o7Ab"><a href="/who-we-insure" title="" class="buttonQ221_YzLfr secondary_YzLfr enabled_YzLfr Button" data-test-id="IndustryRouting-FooterActionBtn"><span class="title_YzLfr">See More Industries</span></a></div></div></div><div data-test-id="Section" class="Section block section_8lLFz Contact text-center" style="background-color: rgb(240, 242, 245);"><div data-test-id="Heading" class="block Heading contain_yQnKQ"><h2 class="">Two ways to start your coverage</h2></div><div data-test-id="MultiColumnWrap" class="wrap_lMirb md-separator_lMirb MultiColumn"><div class="col_lMirb colFirst_lMirb centered_lMirb"><div data-test-id="CustomImage" class="imageWrap_zF23g Imagesize contain_yQnKQ"><img alt="Person in a yellow shirt working on a laptop." width="179" height="179" title="Person in a yellow shirt working on a laptop." class="image_zF23g CustomImage" src="https://www.insureon.com/-/media/images/image-women-yellowsweater-laptop.png?h=179&amp;iar=0&amp;w=179&amp;rev=6119004ddbde47ce836e14e56838bd0b"></div><div data-test-id="Heading" class="block Heading contain_yQnKQ"><h3 class="">Compare quotes online</h3><div class="descriptor">Use our easy online application to enter your information and get personalized business insurance quotes from multiple top A-rated companies.</div></div><div class="center_bEcSD medium_bEcSD root_bEcSD ModalCTA"><button class="buttonQ221_YzLfr medium_YzLfr primary_YzLfr enabled_YzLfr Button" data-test-id="twoColumnLeftCallToAction"><span class="title_YzLfr">Get Started</span></button></div></div><div class="col_lMirb colSecond_lMirb bottomCol_lMirb centered_lMirb MultiColumnBottom"><div data-test-id="CustomImage" class="imageWrap_zF23g Imagesize contain_yQnKQ"><img alt="Person talking on a headset." width="179" height="179" title="Person talking on a headset." class="image_zF23g CustomImage" src="https://www.insureon.com/-/media/images/image-women-talkinghands-headset.png?h=179&amp;iar=0&amp;w=179&amp;rev=55dcb1878bf04d7eb2ebb2c1875efdf3"></div><div data-test-id="Heading" class="block Heading contain_yQnKQ"><h3 class="">Talk to an agent</h3><div class="descriptor">We're ready to answer all of your questions about our services and your insurance needs. 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If a business  manufactures, distributes, or sells products, it can be sued over the harm its products  cause to people or property.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Most commercial general liability (CGL) policies include product liability insurance.  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Even if that doesn't apply to you, small businesses that work directly with clients and customers benefit from general liability insurance.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nThis insurance policy can keep your company financially stable if you&rsquo;re sued by a customer or competitor. Because general liability insurance provides such important coverage, most small business owners buy the policy right after they start their business.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does general liability insurance not cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nWhile general liability insurance is crucial for most small businesses, it does not provide all the protection you need. 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This bundle is ideal for low-risk businesses such as  advertising agencies, churches and religious organizations, day spas, insurance  agents, and more.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003ESimilar to a BOP, a commercial package policy (CPP) also packages these coverages,  but is generally purchased by high risk small and medium-sized businesses. With  broad underwriting and customizable limits, a CPP allows business owners to address  the specific risks they face with the right amount of coverage.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EEmployment practices liability insurance (EPLI) can cover lawsuit expenses related to  employee claims of harassment, discrimination, and wrongful termination. Good  candidates for EPLI coverage are retail, food services, manufacturing, and healthcare  professions.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp;\u003Cspan style=\"font-weight: bold;\"\u003E\u003C\u002Fspan\u003E\u003Cstrong\u003EVehicles used by a business\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E&nbsp; &nbsp; \u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EPersonal auto insurance policies almost always exclude business use. Most states  require that vehicles owned by a business must be covered by commercial auto  insurance. Some professions that should consider commercial auto insurance are:  construction and installation, cleaning, and landscaping businesses.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EPersonal, leased, and rented vehicles used for work purposes can be covered by hired  and non-owned auto insurance (HNOA), which you can add to a general liability  policy.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp;&nbsp;Liquor liability\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E&nbsp; &nbsp; &nbsp;\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003ELiquor liability insurance covers legal fees from incidents involving people who  became intoxicated at your business. That could include drunk driving, assault, and  vandalism.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EThis policy is required for businesses that serve alcohol. You can purchase it as a  standalone policy or add it to your general liability policy. A few industries in  particular that should carry this coverage are restaurants, food trucks, convenience  stores, and breweries.\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-top: var(--ds-space-050, 4px); margin-left: 0px;\"\u003E\n\u003C\u002Fp\u003E"}}},{"id":"0078de77-f796-45f7-b1bc-bd9f9c4c44f4","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Frecommended-policy-data\u002Fbusiness-owners-policy","name":"Business Owners Policy","displayName":"Business Owners Policy","fields":{"policyIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Finsurance-policies\u002Finsurance-policy-icons\u002Finsurance-policy-icons-color\u002F48px\u002Finsurance-policy-icons-purple\u002Ficon_policy_business-owners-policy.svg?h=48&iar=0&w=48&rev=16acf31a188b41c2897485ea8e860775","alt":"Business owner’s policy icon","width":"48","height":"48","title":"Business owner’s policy icon"}},"policyCode":{"value":"BOP"},"policyTitleText":{"value":"Business Owner's Policy (BOP)"},"policyModalTitle":{"value":"Business Owner's Policy"},"detailedPolicyDescription":{"value":"\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003EA business owner&rsquo;s policy (BOP) bundles general liability insurance with commercial property insurance. It typically costs less than if the policies were bought separately.\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-weight: bold;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-weight: bold;\"\u003EWho needs a business owner's policy?\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003EIf you own or rent a workspace, you likely need a business owner&rsquo;s policy (BOP).\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003EMost small businesses need general liability insurance and commercial property insurance when they rent or own an office or other commercial space. On top of that, client contracts often require general liability coverage.\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003EEven when coverage isn&rsquo;t required, a BOP is a wise choice for small businesses that work directly with the public and own valuable business property. This policy protects against financial losses from customer accidents and incidents like fires and burglaries.\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-weight: bold;\"\u003EIs your business eligible for a business owner's policy?\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003ETo qualify for BOP savings, businesses typically must have:\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; A low-risk industry\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Fewer than 100 employees\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Less than $1 million in annual revenue\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; A small commercial space\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-weight: bold;\"\u003EWhat does a business owner's policy cover?\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003EA business owner's policy includes both general liability insurance policy and commercial property insurance coverage, sometimes called business hazard insurance. Together, they provide liability and property coverage for your small business.\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003ESpecifically, a BOP will typically cover:\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp;\u003Cspan style=\"font-weight: bold;\"\u003EThird-party bodily injury\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t  \u003C\u002Fspan\u003EIf a customer is hurt on your property, the general liability insurance portion of your \tbusiness owner's policy can help pay for medical expenses or legal expenses in the \tevent of a lawsuit.\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp;\u003Cspan style=\"font-weight: bold;\"\u003EThird-party property damage\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t  \u003C\u002Fspan\u003EThe general liability portion of a BOP can help repair or replace damaged customer \tproperty. It can also pay legal fees if a customer sues over the damage.\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"white-space: pre;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E&nbsp;\t\u003C\u002Fspan\u003E-&nbsp;\u003Cspan style=\"font-weight: bold;\"\u003EProduct liability\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan\u003E\u003Cspan style=\"font-weight: bold; white-space: pre;\"\u003E&nbsp;\t  \u003C\u002Fspan\u003EProperty damage or customer injuries don't have to happen on you or your client's \tproperty. If a business manufactures, distributes, or sells products, it can be sued \tover the harm those products cause to people or property. Having product liability \tcoverage in a BOP can provide protection from these types of risks.\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"white-space: pre;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"white-space: pre;\"\u003E&nbsp;\t\u003C\u002Fspan\u003E\u003Cspan style=\"font-size: normal;\"\u003E-&nbsp;\u003C\u002Fspan\u003E\u003Cspan style=\"font-weight: bold;\"\u003EAdvertising injuries\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-weight: bold; white-space: pre;\"\u003E\t&nbsp;  \u003C\u002Fspan\u003E\u003Cspan style=\"font-size: normal;\"\u003EIf someone sues a business owner or employee over an advertising injury, such as \tlibel, slander, or copyright infringement, the liability portion of a BOP can help pay for \tlawsuit expenses.\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp;\u003C\u002Fspan\u003E\u003Cspan style=\"font-weight: bold;\"\u003EBusiness property damage\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-weight: bold; white-space: pre;\"\u003E&nbsp;\t&nbsp;&nbsp;\u003C\u002Fspan\u003E\u003Cspan style=\"font-size: normal;\"\u003EThe commercial property insurance portion of a BOP can help pay for expenses to \trepair or replace your business property if it's damaged by fire, theft, and some weather-related events.\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EThis policy's business personal property (BPP) coverage provides protection for items \tthat are used to run a business, such as furniture and machinery.\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003C\u002Fspan\u003E\u003Cspan style=\"font-weight: bold;\"\u003EHow much does a business owner&rsquo;s policy cost?\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-weight: bold;\"\u003E\u003C\u002Fspan\u003E\u003Cspan style=\"font-size: normal;\"\u003EBusiness owner&rsquo;s policies cost an average of $57 per month. This is based on the average cost of a business owner's policy. And 42% of Insureon's small business customers pay less than $50 per month for this policy.\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003EYour cost is based on a few factors, including:\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Amount of coverage\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Business property value\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Industry and business operations\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Business location\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Number of employees\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003C\u002Fspan\u003E\u003Cspan style=\"font-weight: bold;\"\u003EWhat does a BOP not cover?\u003C\u002Fspan\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003EWhile business owners' insurance can help bundle coverage for a variety of business risks, it does not provide all the protection that a small business needs.\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003ESpecifically, a BOP will not include coverage for:\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E&nbsp;\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp;\u003C\u002Fspan\u003E\u003Cspan style=\"font-weight: bold;\"\u003EEmployee injuries\u003C\u002Fspan\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Workers' compensation insurance is the policy that covers medical expenses, physical \ttherapy, and some lost income for employees who are injured at work. It's required in \tmost states for businesses that have employees.\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cp\u003E\u003Cspan style=\"font-size: normal;\"\u003E\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployee discrimination lawsuits\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Employment practices liability insurance (EPLI) can cover lawsuit expenses related to  claims of harassment, discrimination, and wrongful termination.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E\u003Cstrong\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EVehicles used by a business\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Commercial auto insurance provides coverage for business vehicles. It&rsquo;s required in  most states when your business owns the vehicle or you use it primarily for work.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EDestroyed payment records\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If a fire or other incident destroys your customer records, you could have trouble  collecting outstanding payments. This is not a covered loss of commercial property  insurance, unless your policy has an accounts receivable endorsement.\u003C\u002Fspan\u003E\u003C\u002Fp\u003E"}}},{"id":"e61fd344-6eb3-4baa-b7f9-18da24e7c2d8","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Frecommended-policy-data\u002Fcommercial-auto","name":"Commercial Auto","displayName":"Commercial Auto","fields":{"policyIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Finsurance-policies\u002Finsurance-policy-icons\u002Finsurance-policy-icons-color\u002F48px\u002Finsurance-policy-icons-purple\u002Fpolicy-icon_commercial-auto-48px.svg?h=48&iar=0&w=48&rev=b7689bf514e64b1aa76bcdd453aedb78","alt":"Commercial auto policy icon","width":"48","height":"48","title":"Commercial auto policy icon"}},"policyCode":{"value":"CA"},"policyTitleText":{"value":"Commercial Auto"},"policyModalTitle":{"value":"Commercial Auto Insurance"},"detailedPolicyDescription":{"value":"\u003Cp data-renderer-start-pos=\"22514\" style=\"color: #172b4d; background-color: #ffffff; margin-top: 0.75rem; margin-bottom: 0px; padding: 0px; letter-spacing: -0.005em;\"\u003ECommercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhy is commercial auto insurance important?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nIf your company owns a car, you will very likely need commercial auto insurance. Nearly every state requires commercial auto insurance coverage for business-owned vehicles.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nNew Hampshire and Virginia are the only states where auto insurance isn&rsquo;t required. However, drivers are still responsible for any damages they cause.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYou can rely on commercial auto insurance for financial protection if you or an employee needs medical care or faces legal expenses due to an automobile accident. If you don&rsquo;t carry commercial vehicle insurance, your business will be responsible for any medical bills and legal fees, which can get expensive.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nEven when business auto insurance coverage isn&rsquo;t required, it&rsquo;s still a smart choice. Without it, you could end up paying thousands of dollars in medical bills and other costs.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EBusinesses that purchase commercial auto insurance often:\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EHave a vehicle titled to their business\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EDrive to and from worksites\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECarry tools, equipment, or products used for work\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ETransport clients or employees\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ERely on delivery drivers or couriers\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does commercial auto insurance cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCommercial auto insurance helps cover medical payments and property damage related to an accident. This coverage includes legal expenses if you&rsquo;re sued. A policy may also cover vehicle theft, vandalism, and other losses and damages.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSpecifically, commercial auto insurance coverage includes:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EAuto accident liability\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003ECommercial auto insurance includes property damage liability coverage that helps  pay for damages in an accident you caused. That could include:\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Repair costs for the other person's damaged vehicle or property\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Legal expenses if you're sued over the other driver's injuries\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EMedical payments\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Commercial auto insurance policies that include medical payments, or bodily injury  liability, coverage can pay for:\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Your medical expenses for bodily injuries from a car accident\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Medical expenses for passengers in your vehicle\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EThis coverage is available regardless of who caused the accident.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EPhysical damage and collision\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003ECommercial automobile insurance protects against vehicle theft and physical  damage, as well as provides comprehensive coverage for non-collision damages, such  as:\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Vandalism\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Fire and certain weather events\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Impact with another object\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EAccidents involving uninsured motorists\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EAbout one in eight drivers in the United States are uninsured, according to the  Insurance Research Council. When they cause accidents, they might not be able  to pay for damages.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EYour policy's uninsured motorist coverage makes sure your business doesn&rsquo;t have to  pay for the resulting medical expenses or vehicle repairs.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow much does commercial auto insurance cost?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCommercial auto insurance costs an average of $147 per month. 37% of Insureon small business customers pay less than $100 per month for their policies.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYour cost is calculated based on a number of factors, including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ENumber of vehicles\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EType of vehicle and value\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ELevel of risk involved\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EClaims history\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployee driving records\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EPolicy deductible and limits\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWho needs commercial auto insurance?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCommercial auto insurance benefits a variety of industries that utilize business vehicles. It is designed for both businesses and independent contractors that need a company vehicle in order to operate their business.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nHowever, there are a few specific professions who need commercial auto coverage options more often than others, including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EConstruction and installation\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EConsulting\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECleaning\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- \u003Cspan\u003E \u003C\u002Fspan\u003ELandscaping\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does commercial auto insurance not cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EPersonal or leased vehicles\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003ECommercial auto insurance does not cover leased or personal vehicles used for  business purposes. However, your business can still be held accountable if an  employee gets into an accident in a personal or leased vehicle.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EHired and non-owned auto insurance is the appropriate policy for vehicles that your  business uses but does not own. This policy will provide protection for employees  who drive their own or leased cars for work purposes.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIn addition, lease gap insurance is an endorsement you can add to your commercial  auto policy that covers the total loss of a leased or financed vehicle. Another  endorsement to consider is drive other car insurance, which covers non-owned  vehicles that employees or executives may rent or borrow.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ERecently purchased vehicles\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIf you purchase a business vehicle and it's not yet covered by your commercial auto  insurance policy, you would be responsible for any liabilities that may occur to the  vehicle.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIn order to protect any recently purchased business vehicles, you should get any auto  liability insurance, which offers a temporary extension of your commercial auto  coverage. It can also cover any hired and non-owned vehicles that you use for your  business.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E\u003Cstrong\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECustomers' vehicles\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIf your business is storing or performing service on a customer's vehicle, it would be  not covered under your commercial auto insurance. If something were to happen to  your customer's vehicle, such as damage from a break in, you would be responsible  for repair and other related expenses.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EGarage keepers liability coverage would insure your customer automobiles while it is  in your care, custody and control.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EGarage business risks\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIf you have a garage-based or auto service business, your commercial auto insurance  policy does not protect against common garage operation risks, such as a customer  slipping and falling on leaked motor oil.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EGarage liability insurance is a type of general liability insurance that covers the many  risks associated with automotive business operations. This includes customer injuries  and legal costs from lawsuits.\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-top: var(--ds-space-050, 4px); margin-left: 0px;\"\u003E\n\u003C\u002Fp\u003E"}}},{"id":"d251cbe1-fe3a-46b3-886c-41c3461e4a6b","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Frecommended-policy-data\u002Fcommercial-umbrella","name":"Commercial Umbrella","displayName":"Commercial Umbrella","fields":{"policyIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Finsurance-policies\u002Finsurance-policy-icons\u002Finsurance-policy-icons-color\u002F48px\u002Fpolicy-icon_umbrella-excess-liability--color-48.svg?h=48&iar=0&w=48&rev=7383603b77594d32af18d512132eb943","alt":"Umbrella \u002F excess liability insurance icon","width":"48","height":"48","title":"Umbrella \u002F excess liability insurance icon"}},"policyCode":{"value":"UB"},"policyTitleText":{"value":"Commercial Umbrella"},"policyModalTitle":{"value":"Commercial Umbrella Insurance"},"detailedPolicyDescription":{"value":"\u003Cp data-renderer-start-pos=\"26136\" style=\"color: #172b4d; background-color: #ffffff; margin-top: 0.75rem; margin-bottom: 0px; padding: 0px; letter-spacing: -0.005em;\"\u003EOnce a policy&rsquo;s limit is reached, commercial umbrella insurance provides additional coverage for liability claims made on general liability, commercial auto, or employer&rsquo;s liability insurance.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhy is commercial umbrella insurance important?\u003Cbr \u002F\u003E\n\u003C\u002Fstrong\u003EBusiness owners who purchase commercial umbrella insurance usually need it to fulfill a contract that requests higher than standard policy limits.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nCommercial umbrella insurance offers extra liability coverage for the most expensive lawsuits. For example, if a covered lawsuit maxes out your general liability insurance policy but you still owe money for damages, business umbrella coverage can provide additional funds to make up the difference.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nUmbrella liability insurance can supplement your coverage provided by:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EGeneral liability insurance\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployer's liability insurance (often included in workers' compensation)\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECommercial auto insurance or hired and non-owned auto (HNOA) insurance\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nCommercial umbrella insurance can boost coverage for any (or all) of these policies in $1 million increments. Before you can purchase umbrella liability insurance, however, an insurer will require you to carry a certain amount of coverage for the underlying policy.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EBusinesses that buy umbrella insurance coverage:\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EHave insurance but need to close the gap on requirements above $2 million\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EHave high liability risks, such as a business location with a lot of foot traffic\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ENeed more liability protection across several policies\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does commercial umbrella insurance cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCommercial umbrella insurance policies have the same terms and cover the same risks as the underlying business insurance policy.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSpecifically, umbrella insurance can help provide additional coverage for the following:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ESlip-and-fall injuries\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; When you add commercial umbrella insurance (or excess liability insurance) to your  general liability insurance, it can cover your legal expenses if someone gets injured on  your business property.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EThird-party property damage\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; When you add commercial umbrella insurance to a general liability policy, it helps pay  for legal bills related to destroyed or damaged third-party property.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECar accident liability\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; When you add commercial umbrella insurance to a commercial auto insurance or  hired and non-owned auto insurance policy, it helps cover costs if someone sues for  damages caused by your vehicle.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployee injury lawsuits\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; When you add commercial umbrella insurance to employer's liability insurance  (typically included in workers' compensation insurance), it helps pay for employee  lawsuits over work injuries.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow much does commercial umbrella insurance cost?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nFor Insureon customers, commercial umbrella insurance costs on average about $75 per month for each $1 million of additional coverage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSeveral factors affect umbrella policy costs, including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EIndustry and risk\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECoverage limits\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ELocation\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ENumber of employees\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ENumber of vehicles\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow does commercial umbrella insurance work?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nThink of commercial umbrella insurance coverage as a safety net. Your other liability policies are your first line of defense. When you need an added layer of protection on a claim that exceeds the limits of your primary policy, your business umbrella insurance can pick up the slack.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHere's when you need it\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nLet's say you have a commercial general liability policy with a $2 million per-occurrence limit, which means it can pay up to $2 million toward your legal expenses.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nIf a client suffers a serious injury after tripping and falling at your business, and decides to sue, the medical expenses, legal fees, and damages could add up to $2.5 million. After hitting your general liability limit, you would still have a $500,000 bill.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHere's how it helps cover expenses\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nAn umbrella liability policy can help cover the expenses that exceed your underlying policy's limit. For the case above, a business umbrella policy would cover the additional $500,000.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nBasically, you can make a claim on umbrella insurance when each of the following occurs:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EYour business is sued over third-party bodily injury or property damage.\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EThe cost of the lawsuit is more than the limit of the underlying coverage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWho needs a commercial umbrella policy?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCommercial umbrella insurance used to be a policy that only big businesses bought. These days, more small businesses invest in commercial umbrella insurance due to the rising cost of lawsuits and medical expenses.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYou should consider an umbrella liability policy if:\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EYou want to sign a big client who requires more liability insurance\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EYou have lots of contact with the public\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EYour business owns vehicles\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EYour work is hazardous\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does commercial umbrella insurance not cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nWhile umbrella insurance does expand coverage limits for a number of policies, it does not provide all the protection that a small business might need.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nFor instance, an umbrella policy does not cover:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EDamages within the underlying policy limits\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EUmbrella liability insurance does not become active until the underlying policy has  reached its limits. And as with any policy, it does not provide coverage beyond its own  policy limits.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EBusiness property damage\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EBusiness umbrella insurance can only be added to liability policies, not property  insurance.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EThe commercial property insurance portion of a business owner's policy (BOP) or  commercial package policy (CPP) can help pay for repair or replacement when your  business property is damaged by fire, theft, or covered weather-related events.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EProfessional errors\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EProfessional liability insurance, also called errors and omissions (E&amp;O) insurance  or malpractice insurance, can cover lawsuits over professional mistakes, including  undelivered services and missed deadlines.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EYou can boost the limits on this policy with excess liability insurance, also called  excess E&amp;O, which is very similar to umbrella insurance.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployee theft\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003ECommercial crime insurance, a type of fidelity bond, is needed to financially protect  your business from criminal acts committed by employees against customers or  clients.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EUnlike insurance, bonds only reimburse damages up to the size of the coverage that  was purchased. Umbrella insurance could not be used to provide coverage beyond  that limit.\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-top: var(--ds-space-050, 4px); margin-left: 0px;\"\u003E\n\u003C\u002Fp\u003E"}}},{"id":"139dd472-83a8-466f-8529-a0417488fe02","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Frecommended-policy-data\u002Fcyber-insurance","name":"Cyber Insurance","displayName":"Cyber Insurance","fields":{"policyIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Finsurance-policies\u002Finsurance-policy-icons\u002Finsurance-policy-icons-color\u002F48px\u002Finsurance-policy-icons-purple\u002Ficon_policy_cyber-liability.svg?h=48&iar=0&w=48&rev=2eb57c4d83c44dc7a2099cdd800670d0","alt":"Cyber liability icon","width":"48","height":"48","title":"Cyber liability icon"}},"policyCode":{"value":"CYB"},"policyTitleText":{"value":"Cyber Liability"},"policyModalTitle":{"value":"Cyber Liability Insurance"},"detailedPolicyDescription":{"value":"\u003Cp data-renderer-start-pos=\"24992\" style=\"color: #172b4d; background-color: #ffffff; margin-top: 0.75rem; margin-bottom: 0px; padding: 0px; letter-spacing: -0.005em;\"\u003ECyber liability insurance, also called cybersecurity insurance, protects small businesses from the high costs of a data breach or malicious software attack. It covers expenses such as customer notification, credit monitoring, legal fees, and fines.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhy do small businesses need cyber insurance?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCyberattacks and data breaches are expensive and increasingly common. Small businesses often have weak cybersecurity and large vulnerabilities, which makes them an attractive target.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nA cyberattack isn't just an inconvenience &ndash; it can put you out of business. In fact, 60% of small businesses go under within six months of a cyberattack.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nCyber insurance coverage helps your business recover from financial losses caused by cyberattacks and data breaches. It can pay for credit monitoring, attorney's fees, fines, and other costly expenses.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EBusinesses that purchase cyber insurance typically handle:\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECredit card or bank account information\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EMedical information\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ESocial Security numbers or driver's license numbers\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECustomer names, email addresses, phone numbers, and addresses\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECybersecurity for other businesses\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does cyber liability insurance cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCybersecurity insurance covers costs associated with data breaches and cyberattacks, including the cost of recovering important data and hiring legal representation.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nThere are two types of cyber liability insurance coverage: first-party coverage and third-party coverage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nMost businesses need first-party cyber liability insurance to defend against their own cyber risks, especially if they handle personally identifiable information (PII) for customers.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nCompanies that are responsible for their clients' cybersecurity would need third-party cyber liability insurance to provide legal protection from client lawsuits.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat is first-party cyber liability insurance?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nFirst-party cyber liability insurance, sometimes called data breach insurance, covers costs related to a data breach or cyberattack that directly impacts your business.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYou can often add this coverage to your general liability insurance. It&rsquo;s recommended for businesses that collect personal information, such as customer credit card numbers or email addresses.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSpecifically, first-party cyber liability insurance can help cover:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EData breach response costs\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; State laws typically require a response when a business is impacted by a data breach.  Cyber insurance helps cover costs associated with hiring a digital forensic expert to  investigate the breach, customer notifications, consumer credit and fraud monitoring  services, as well as Payment Card Industry (PCI) compliance fines.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EBusiness interruption expenses\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; When a cyber incident brings necessary systems offline or otherwise grinds business  to a halt, cyber insurance can help cover business interruption expenses, such as the  cost of hiring additional staff or renting equipment. This includes purchasing third- party services, such as hiring a public relations manager or crisis management team.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E\u003Cstrong\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ERansomware payments\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If a hacker encrypts private information about your company or its employees and  holds it for ransom, cyber liability insurance will help with payments to meet cyber  extortion demands.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat is third-party cyber insurance coverage?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nThird-party cyber liability coverage helps pay for legal costs when a client sues your company for failing to prevent a data breach or cyberattack at their company. This insurance is recommended for technology businesses that make software recommendations to clients or are responsible for their network security.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nThird-party coverage can be bundled with your errors and omissions policy into what is known as technology errors and omissions insurance, or tech E&amp;O.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSpecifically, third-party cyber insurance can help cover:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ELegal defense costs\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If a client sues your business for failing to prevent a data breach at their business,  cyber liability insurance could help cover attorney's fees and other legal costs for your  defense in court.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ESettlements\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If your business faces a lawsuit from a client who experienced a data breach, you and  the client could decide upon a settlement out of court that would amend the  damages they experienced.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECourt-ordered judgments\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If a client accuses you of being responsible for a data breach at their business and  sues your company, you may be legally obligated to pay for damages from any  judgments in the lawsuit.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow to protect your business from cyberattacks\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCyberattacks are expensive and can take a long time to resolve. A study by IBM and the Ponemon Institute put the average cost of a data breach at $3.86 million. The average time to identify and contain a breach was 280 days.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nA cyber liability insurance policy can help pay for:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EMandatory notification of affected parties\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EInvestigating and fixing security flaws\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ESeveral years of credit monitoring services for affected customers\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ELoss of business opportunities\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EComplete our easy online insurance application to get free cyber liability insurance quotes that meet the needs of your small business.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow much does cyber liability insurance cost?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nInsureon customers pay an average premium of $145 per month for cyber insurance. The cost of cyber liability insurance is based on several factors including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EAmount of sensitive data handled\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EYour industry\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECoverage limits\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ENumber of employees\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nAll of these factors will be instrumental in determining how much cyber liability insurance your small business needs.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWho needs cyber insurance?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nCyber liability insurance, sometimes called cybersecurity insurance, is a key policy for companies that operate in cybersecurity, work in a cloud environment, or handle sensitive customer information, such as credit card numbers.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nWhile any business can fall victim to a data breach or cyberattack, a few industries are particularly vulnerable, including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EIT professionals\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ERetailers\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EHealthcare organizations\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EFinancial service providers\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does cyber liability insurance not cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nWhile cyber insurance covers costs related to cyber threats, it does have a number of coverage exclusions. For example, it does not cover data loss caused by a power outage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nOther exclusions from cyber liability insurance coverage include:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EMistakes and oversights\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EProfessional liability insurance, also called errors and omissions insurance, covers the  costs of lawsuits over mistakes and oversights. This policy also covers legal costs  related to professional negligence.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EData loss caused by accidental damage\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EWhile a cyber insurance policy covers data lost in a software attack, it does not insure  data lost from accidental physical damage to a network or storage device.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EElectronic data liability coverage expands the property damage coverage in a  business owner's policy (BOP) to include a loss of data caused by accidental damage  to a customer&rsquo;s computer, hard drive, or other data storage equipment.\u003C\u002Fspan\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EData loss from natural occurrences\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIf you experience data loss during a power surge, fire, or natural disaster, you would  need electronic data processing (EDP) insurance. You can typically bundle this  coverage in a business owner's policy. It provides protection for data loss in your  electronic data processing equipment, such as computers and backup systems.\u003C\u002Fspan\u003E\u003C\u002Fp\u003E"}}},{"id":"a6d3bb0b-765e-42ae-ba53-e2882599cbe6","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Frecommended-policy-data\u002Fproduct-liability","name":"Product Liability","displayName":"Product Liability","fields":{"policyIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Finsurance-policies\u002Finsurance-policy-icons\u002Finsurance-policy-icons-color\u002F48px\u002Finsurance-policy-icons-purple\u002Fpolicy-icon_product-liability-48px.svg?h=48&iar=0&w=48&rev=dfc9f0d4a84c46b5803381b1b2033400","alt":"Product liability insurance policy icon","width":"48","height":"48","title":"Product liability insurance policy icon"}},"policyCode":{"value":"GL"},"policyTitleText":{"value":"Product Liability"},"policyModalTitle":{"value":"Product Liability Insurance"},"detailedPolicyDescription":{"value":"\u003Cdiv\u003E\u003Cspan style=\"color: #172b4d;\"\u003EProduct liability insurance can help cover your legal expenses if someone claims that a product you sold, made, or distributed caused an injury or property damage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhy is product liability insurance important?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nIf you sell, make, or distribute products, you likely need this policy. Any business in the supply chain could be blamed if a product causes harm, and there are few limitations on who can file a product liability lawsuit.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nIf a product allegedly hurts someone or causes them financial loss, product liability coverage will help pay your legal fees, judgment, or settlement.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nThis insurance is sometimes called products-completed operations coverage. &ldquo;Products&rdquo; refers to the items you make or sell. &ldquo;Completed operations&rdquo; refers to completed work, such as a roof or deck built by your company.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EThis policy protects against claims related to:\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv\u003E\u003Cspan style=\"color: #172b4d;\"\u003E\u003Cstrong\u003E\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Manufacturing defects\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Design defects\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Marketing defects, such as labeling errors or lack of warnings\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Allergic reactions\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Food contamination\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Strict liability, for claims when you are not at fault\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nInsurance companies usually include product liability insurance with a general liability insurance policy. But some retailers or manufacturers may need to buy this coverage as an endorsement.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does product liability insurance cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nProduct liability insurance helps pay for legal expenses when a product that you made, sold, or distributed causes a personal injury, property damage, or other loss.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSpecifically, product liability insurance can provide coverage for:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EInjury caused by a product\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If an item that you made or sold causes a bodily injury, product liability insurance can  cover the cost of hiring an attorney. It would also cover the resulting settlement or  court-ordered judgment.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EProperty damage caused by a product\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Product liability insurance provides coverage when an item you sell or manufacture  damages a customer&rsquo;s property. The damage could be related to a product defect or  a mistake in an instruction manual that led it to be used incorrectly.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EIllness caused by a product\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; This insurance coverage protects against illnesses caused by products sold or  manufactured by your business. That includes everything from expired food that  sickens a customer to a beauty product that causes an allergic reaction.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EWrongful death caused by a product\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Product liability insurance also covers lawsuits, burial costs, and other expenses  related to a death caused by your product.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow much does product liability insurance cost?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nThe cost of product liability insurance is usually included in your general liability insurance premium. General liability costs an average of $42 per month.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYour cost is based on certain factors, including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Industry and exposures\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Business size and location\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Foot traffic\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Claims history\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Policy limits and deductible\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWho needs product liability insurance?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nProduct liability insurance is crucial for any business that manufactures or sells goods, along with distributors, importers, and any other business that touches a product. This policy protects against design flaws and other product liability risks and may be required by clients and partners.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSpecifically, businesses in the following industries should carry this coverage:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Manufacturers\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Retailers, distributors and wholesalers\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Tradesman\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-  Beauty and cosmetology\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Food services\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Cannabis\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does product liability insurance not cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nProduct liability insurance coverage protects against the most common risks associated with products, but it doesn't provide all the protection you need. Your policy will not cover the following types of claims:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EProduct recall costs\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EProduct recall insurance covers the cost of recalling a defective product. Contact an  Insureon agent to find out more about this coverage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EDamaged or stolen products\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EThe commercial property insurance included in a business owner&rsquo;s policy (BOP)  protects your own business property from theft, fires, and other losses. It includes  protection for your building and its contents, including inventory.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployee injuries\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIf an employee is injured by a product sold or manufactured by your business,  workers&rsquo; compensation insurance would cover the employee&rsquo;s medical expenses. It  would also cover your legal costs if the employee sues over the injury.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E\u003Cstrong\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EBusiness interruption incidents\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EIf your business is forced to close temporarily, business interruption insurance can  cover day-to-day expenses until your business reopens. The closure typically must be  tied to a property insurance claim, such as a fire or burst pipe.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003EContingent business interruption insurance provides financial protection if the loss of  a supplier affects your ability to do business. For example, it would cover costs if a  supply chain disruption temporarily shut down a manufacturing plant.\u003Cbr \u002F\u003E\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E"}}},{"id":"de556b02-cf83-4f0d-bf84-a6f03898e315","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Frecommended-policy-data\u002Fprofessional-liability","name":"Professional Liability","displayName":"Professional Liability","fields":{"policyIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Finsurance-policies\u002Finsurance-policy-icons\u002Finsurance-policy-icons-color\u002F48px\u002Finsurance-policy-icons-purple\u002Ficon_policy_professional-liability.svg?h=48&iar=0&w=48&rev=5bab870b3f974e868c67c1029369fe6f","alt":"Professional liability icon","width":"48","height":"48","title":"Professional liability icon"}},"policyCode":{"value":"EO"},"policyTitleText":{"value":"Professional Liability"},"policyModalTitle":{"value":"Professional Liability Insurance"},"detailedPolicyDescription":{"value":"\u003Cdiv\u003E\u003Cspan style=\"color: #172b4d;\"\u003EProfessional liability insurance, also called errors and omissions insurance, protects small businesses against the costs of client lawsuits over unsatisfactory work.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhy is professional liability insurance important?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nProfessional liability insurance is designed for businesses that make a living off their expertise.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nEven the most experienced and thorough professional service provider makes mistakes. Unfortunately, clients may not be so understanding if your error costs them considerable time or revenue.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nProfessional liability insurance helps protect you from lawsuits filed by unsatisfied clients.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nFor example, if you miss a project deadline, make an omission in your work, or provide ineffective business advice, your client may sue you.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nIf you&rsquo;re served with this type of lawsuit, your professional liability insurance policy will cover legal defense costs up to your policy limit.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does professional liability insurance cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nWhen a dissatisfied client sues over a mistake made by your business, professional liability insurance can help cover the cost of legal defense, including the cost of hiring a lawyer.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nSpecifically, professional liability insurance will help provide coverage for:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E\u003Cstrong\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EWork mistakes and oversights\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Sometimes a simple mistake can cause one of your clients to lose money. When a  client sues over an error made by your business, professional liability insurance can  help pay for your attorney's fees, along with a settlement or court-ordered judgment.\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Undelivered services\u003C\u002Fspan\u003E\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If your business promises to provide a service and fails to deliver, the client could  choose to sue you. This may be even more likely if the client believes that your work  negatively impacted their bottom line.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EAccusations of negligence\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; When a client hires you based on your specialized skills, they are entitled to a  reasonable standard of care. If your work fails to meet industry standards or causes  financial damage to a customer, your business can be accused of professional  negligence and could face a professional liability lawsuit.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EMissed deadlines\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If you or an employee at your small business misses a deadline, it may have  tremendous repercussions for your client. Professional liability provides protection  for your small business if a client sues over late work.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow much does professional liability insurance cost?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nThe cost of professional liability insurance is, on average, $61 per month. 32% of Insureon's small business customers pay less than $50 per month for their policy.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYour cost is based on a few factors, including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Industry and risks\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Coverage limits and deductible\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Business size\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Day-to-day operations\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Claims history\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWho needs professional liability insurance?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nProfessional liability insurance benefits a variety of industries that provide services directly to clients or customers, and some types of businesses are required to carry this coverage. It's designed for both businesses and independent contractors that make a living off of their expertise.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nA few specific professions need professional liability coverage more often than others, including:\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Accountants and auditors\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Architects\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Consultants\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp;&nbsp;Engineers\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-&nbsp; Healthcare professionals\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does professional liability insurance not cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nWhile professional liability insurance covers many costs related to legal action from a client, it does have a number of exclusions. For example, it only covers the cost of defending against lawsuits &ndash; it doesn't pay for lawsuits you initiate.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nUnless your policy has prior acts coverage, it will only cover claims filed while the policy is active and for incidents that occurred after you bought the policy. In this case, endorsements can fill gaps in your professional liability coverage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nOther exclusions from professional liability insurance coverage include:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E\u003Cstrong\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECustomer injuries or property damage\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If a customer is injured on your premises or you accidentally damage a customer&rsquo;s  property, general liability insurance can help pay for medical expenses or the cost of  repairing or replacing the damaged item. It can also cover legal expenses if the  customer sues.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployee injuries\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Workers' compensation insurance will cover medical expenses and partial lost wages  for employees with work-related injuries or illnesses.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EEmployee discrimination lawsuits\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Employment practices liability insurance (EPLI) covers lawsuit expenses related to  claims of harassment, discrimination, and wrongful termination.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EDamage to business property\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; The property coverage included in a business owner&rsquo;s policy (BOP) can pay for items  that are damaged, destroyed, stolen, or lost.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EAuto accidents\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Business-owned vehicles must be covered by commercial auto insurance. Personal,  rented, or leased vehicles used by a business should be covered by hired and non-owned auto insurance (HNOA), as your personal auto insurance won't cover work- related driving.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EHarm caused by a product\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Product liability insurance can pay for injuries or property damage caused by a  product sold, made, or distributed by your small business.\u003Cbr \u002F\u003E\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E"}}},{"id":"dba85c90-c034-40e9-8fc0-cc02c59f8abb","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Frecommended-policy-data\u002Fworkers-compensation","name":"Workers Compensation","displayName":"Workers Compensation","fields":{"policyIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Finsurance-policies\u002Finsurance-policy-icons\u002Finsurance-policy-icons-color\u002F48px\u002Finsurance-policy-icons-purple\u002Ficon_policy_workers-comp.svg?h=48&iar=0&w=48&rev=52dd8ba6fdcb4dc0ae7576ba04a4a5c9","alt":"Workers' compensation icon","width":"48","height":"48","title":"Workers' compensation icon"}},"policyCode":{"value":"WC"},"policyTitleText":{"value":"Workers' Compensation"},"policyModalTitle":{"value":"Workers' Compensation Insurance"},"detailedPolicyDescription":{"value":"\u003Cdiv\u003E\u003Cspan style=\"color: #172b4d;\"\u003EWorkers&rsquo; compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat is workers' compensation and why is it important?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nWorkers' compensation insurance covers costs related to workplace injuries and illnesses, which can escalate quickly due to the high cost of medical care.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nWhile workers&rsquo; comp laws vary by state, small businesses typically need a policy in place as soon as they hire their first employee (or a certain number of workers).\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nEven when not required by law, this policy provides important protection against healthcare expenses and employee lawsuits related to workplace injuries, such as a slip and fall in the office, an injury from tools or machinery, or an occupational illness.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYou can also rely on workers&rsquo; comp if you or an employee needs medical treatment or time off due to a workplace injury &ndash; or if an injured employee sues you for failing to prevent an accident.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nIf you don&rsquo;t carry workers&rsquo; comp insurance, your business will be responsible for any medical bills and legal fees. And most states levy costly penalties for noncompliance.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003ESmall businesses find workers&rsquo; comp essential for three reasons:\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Most states require workers&rsquo; comp coverage\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- It covers medical expenses and partial lost wages due to a job-related injury\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Most workers' comp policies also cover the cost of employee lawsuits related to a work injury\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does workers' compensation insurance cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EMedical expenses\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Workers&rsquo; compensation insurance covers the cost of immediate medical care for  workplace accidents, such as ambulance rides, emergency room visits, surgical  procedures, and other medical bills. Ongoing care, such as medication and physical  rehabilitation, is also covered.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EDisability benefits\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; A serious injury can prevent an employee from returning to work for days, weeks, or  even months. Workers&rsquo; comp benefits cover part of the wages lost while an employee  is recovering from a workplace injury or occupational illness.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ECompensation for fatal injuries\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; When a work-related incident is fatal, workers&rsquo; compensation pays death benefits that  cover funeral expenses and help support the deceased individual&rsquo;s family members.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003ELawsuits related to workplace injuries\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; Workers&rsquo; compensation insurance typically includes employer&rsquo;s liability insurance.  This type of insurance protects employers from lawsuits related to work injuries.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; For instance, a worker might claim that a lack of basic workplace safety led to their  injury. If the worker sues their employer, this coverage would pay for:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E-&nbsp;Attorney&rsquo;s fees\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Court costs\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\t\u003C\u002Fspan\u003E- Settlements or judgments\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EHow much does workers&rsquo; compensation insurance cost?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nWorkers&rsquo; compensation insurance policies cost an average of $45 per month. This is based on the average cost of workers' comp insurance. 23% of Insureon's small business customers pay less than $30 per month for this policy.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nYour workers' comp cost is calculated based on a few factors, including:\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Payroll\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Location\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Number of employees\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Industry and risk factors\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Coverage limits\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E- Claims history\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EIs workers&rsquo; comp insurance required by law?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nEach state has unique workers' compensation laws and penalties. In most states, workers' comp is required as soon as a business hires its first employee. Other states don&rsquo;t mandate coverage until a business has two, three, four, or more employees. However, there are exemptions for certain types of workers and business structures &ndash; such as real estate agents and agricultural workers.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nTexas and South Dakota are the only states where business owners are never required to purchase workers&rsquo; compensation insurance coverage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nAll other states impose penalties for not carrying workers&rsquo; compensation. These can range from fines to jail time &ndash; or both.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nMost states allow business owners to buy workers&rsquo; compensation insurance from private insurers or use self-insurance plans. North Dakota, Ohio, Washington, and Wyoming require employers to purchase workers&rsquo; comp insurance through a state fund.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EDo self-employed business owners and independent contractors need workers&rsquo; comp insurance?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\nTypically not by law. States generally require businesses with employees to purchase workers' compensation insurance.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nBut sole proprietors, independent contractors, single member limited liability companies (LLCs), and other self-employed business owners with no employees may buy this policy to fulfill the terms of a contract. Your clients don&rsquo;t want to deal with the expense and hassle of a workplace injury. That&rsquo;s why they might require contractors who work for them to carry their own business insurance, including workers' comp.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nIn addition, workers' comp helps to protect your income. Most health insurance policies exclude coverage for work-related injuries and illnesses. If you carry workers' comp as an independent contractor, your medical bills will be covered when you&rsquo;re injured on the job.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nWorkers' comp can also partially replace wages lost while taking time off to recover from a work-related injury.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003EWhat does workers' compensation insurance not cover?\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n- Injuries caused by intoxication, drugs or company policy violations\u003Cbr \u002F\u003E\nIf an employee is under the influence of alcohol or drugs and gets injured due to  intoxication, workers' compensation benefits would not apply.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\nIn addition, if an employee does not follow company policies, such as wearing a hard  hat when working with heavy equipment, and hurts themselves, they are not entitled  to workers' compensation benefits.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EInjuries claimed after firing or layoff\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If an employee gets injured or makes claims of injury after experiencing a termination  (including being fired or laid off), they are not eligible for workers' compensation  benefits. A worker must be an active employee at a company in order to receive  workers' compensation coverage.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EWages for a replacement worker\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; If your employee is unable to work due to injury and you have to bring on a  replacement worker, workers' compensation would not cover the replacement  worker's salary. The injured employee would still be entitled to wage loss benefits.\u003Cbr \u002F\u003E\n\u003Cbr \u002F\u003E\n\u003Cstrong\u003E\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E-\u003Cspan\u003E \u003C\u002Fspan\u003EOSHA fines\u003C\u002Fstrong\u003E\u003Cbr \u002F\u003E\n\u003Cspan style=\"white-space: pre;\"\u003E\t\u003C\u002Fspan\u003E&nbsp; OSHA requires workplaces that operate heavy machinery, such as manufacturers, to  follow set safety guidelines. In the event that an employee gets injured for not  following OSHA safety procedures, the company may receive non-compliance fines  that would not be covered by workers' comp.\u003Cbr \u002F\u003E\n\u003C\u002Fspan\u003E\u003C\u002Fdiv\u003E"}}}],"questions":[{"id":"8c673c29-9724-478a-920a-4dcfd63b9773","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-1","name":"Question 1","displayName":"Question 1","fields":{"questionsPageTitle":{"value":"Let’s get to know your business…"},"questionsPageDescription":{"value":"We’ll help you find the best coverage options by answering three simple questions. It’s that easy!"},"quesResponseOptions":[{"id":"64dbf400-af64-4a71-b060-9ab968e2ab09","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq1-option1","name":"Q1 Option1","displayName":"Q1 Option1","fields":{"optionText":{"value":"I have a business and currently have insurance"}}},{"id":"63649cd2-0e35-4b58-b58d-756b3eb95e4a","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq1-option2","name":"Q1 Option2","displayName":"Q1 Option2","fields":{"optionText":{"value":"I have a business, but do not have insurance"}}},{"id":"965a5615-39eb-42bd-a9e5-c50a5b2f9421","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq1-option3","name":"Q1 Option3","displayName":"Q1 Option3","fields":{"optionText":{"value":"I have a business and am required to have insurance per a contract and\u002For landlord requirement"}}}],"isFirstQuestion":{"value":true},"isLastQuestion":{"value":false},"questionIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Frecommendation-question-1-icon.svg?iar=0&rev=0a085ec4ddd948d0a7b0350874cf1572","alt":"recommendation question 1 icon"}},"questionText":{"value":"Which best describes you?"},"questionHelpText":{"value":""},"questionResponseOptions":{"value":"I have a business and currently have insurance\r\nI have a business, but do not have insurance\r\nI have a business and am required to have insurance per a contract and\u002For landlord requirement"},"questionType":{"value":"Single Response"}}},{"id":"118af6ba-4e77-40c0-ad68-6dc6f6c41e7a","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-2","name":"Question 2","displayName":"Question 2","fields":{"questionsPageTitle":{"value":""},"questionsPageDescription":{"value":""},"quesResponseOptions":[{"id":"772b6d1d-ddc3-434e-a966-55df8dad1322","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq2-option1","name":"Q2 Option1","displayName":"Q2 Option1","fields":{"optionText":{"value":"Yes"}}},{"id":"2a5833cd-543a-4bda-9c30-5578fb6c627c","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq2-option2","name":"Q2 Option2","displayName":"Q2 Option2","fields":{"optionText":{"value":"No"}}}],"isFirstQuestion":{"value":false},"isLastQuestion":{"value":false},"questionIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Frecommendation-question-2-icon.svg?iar=0&rev=eaf6ee09ef694406aa59582ca0a4ef76","alt":"recommendation question 2 icon"}},"questionText":{"value":"Do you have employees other than yourself?"},"questionHelpText":{"value":"excluding contract employees"},"questionResponseOptions":{"value":"Yes\r\nNo"},"questionType":{"value":"Single Response"}}},{"id":"7fa6e8a6-3861-4aa3-905e-2805918fa5d4","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-3","name":"Question 3","displayName":"Question 3","fields":{"questionsPageTitle":{"value":""},"questionsPageDescription":{"value":""},"quesResponseOptions":[{"id":"2a94b8fa-f9d8-4e19-8bee-09f8ac0fa042","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq3-option1","name":"Q3 Option1","displayName":"Q3 Option1","fields":{"optionText":{"value":"I own a building (physical building, storefront, warehouse, etc…)"}}},{"id":"1a3c3e60-0a3f-4399-88ab-d736fa506467","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq3-option2","name":"Q3 Option2","displayName":"Q3 Option2","fields":{"optionText":{"value":"I own a vehicle(s)"}}},{"id":"3541377a-3d03-4e95-b179-6f888d87cda8","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq3-option3","name":"Q3 Option3","displayName":"Q3 Option3","fields":{"optionText":{"value":"I own\u002Frent business equipment (computers, office furniture, etc…)"}}},{"id":"2a40af5c-de63-4c64-ab89-838db90dfb9d","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq3-option4","name":"Q3 Option4","displayName":"Q3 Option4","fields":{"optionText":{"value":"I own\u002Frent portable equipment (tools, machinery, etc…)"}}},{"id":"dcb45edb-9ae2-41e0-bdba-ca38a89d713c","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq3-option5","name":"Q3 Option5","displayName":"Q3 Option5","fields":{"optionText":{"value":"I provide professional advice and\u002For sell services"}}},{"id":"cd0486d7-7d5b-4242-b6b5-caa9ef1f7aca","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq3-option6","name":"Q3 Option6","displayName":"Q3 Option6","fields":{"optionText":{"value":"I handle and\u002For store sensitive data (credit card, SSNs, health records, etc…)"}}},{"id":"c7a36c13-5999-4347-aa64-813aeed8f92e","url":"https:\u002F\u002Fworkmarket.insureon.com\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fquestions-data\u002Fquestion-response-options\u002Fq3-option7","name":"Q3 Option7","displayName":"Q3 Option7","fields":{"optionText":{"value":"None of the above"}}}],"isFirstQuestion":{"value":false},"isLastQuestion":{"value":true},"questionIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Frecommendation-question-3-icon.svg?iar=0&rev=15ac4dea06f54915a414ed3224f3a179","alt":"recommendation question 3 icon"}},"questionText":{"value":"Do any of the following apply to your business?"},"questionHelpText":{"value":"OK to select more than one"},"questionResponseOptions":{"value":"I own a building (physical building, storefront, warehouse, etc…)\r\nI own a vehicle(s)\r\nI own\u002Frent business equipment (computers, office furniture, etc…)\r\nI own\u002Frent portable equipment (tools, machinery, 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For guidance specific to your business, complete an application and talk with an Insureon Agent or call 866-688-1984."},"getRecommendationsCtaButtonText":{"value":"Get Recommendations"},"calendlyCtaLinkText":{"value":"Have a question?  Schedule a call."},"calendlyCtaIcon":{"value":{"src":"https:\u002F\u002Fwww.insureon.com\u002F-\u002Fmedia\u002Fhave-a-question-schedule-a-call-purpleicon.svg?iar=0&rev=1f033baff8794639b70af8eb9c98570c","alt":"Calendly Icon"}},"startOverCtaButtonText":{"value":"Start Over"},"getQuotetsCtaButtonText":{"value":"Get Quotes"}}},"policyRecommendationCtaSettings":{"id":"5f7660e8-a29c-440a-a360-d6a7564a37f3","url":"\u002Fshared\u002Fpolicy-recommendation-tool-settings\u002Fcomponent-cta-settings","name":"Component CTA Settings","displayName":"Component CTA Settings","fields":{"promotionalText":{"value":"Need a policy recommendation?"},"ctaText":{"value":"Answer 3 questions."},"visbleOnPage":[]}},"tpWidgetGlobalSettings":{"id":"28d87fba-0849-4666-84b7-703b3c608419","url":"\u002Fshared\u002Ftrust-pilot-widget-global-settings\u002Ftrust-pilot-global-config","name":"Trust Pilot Global Config","displayName":"Trust Pilot Global Config","fields":{"enableTrustPilotHeroWidget":{"value":true},"replaceCustomerTestimonial":{"value":true}}}},"databaseName":"prodgreen","deviceId":"fe5d7fdf-89c0-4d99-9aa3-b5fbd009c9f3","itemId":"defb4ddc-5975-5620-a187-80e2d0552d95","itemLanguage":"en","itemVersion":68,"layoutId":"9a27033b-8253-5b13-8325-577dbd7a28ac","templateId":"f45c29f2-977a-4549-bbe6-97acdb46b609","templateName":"Home-Page-Type","placeholders":{"About-Placeholder":[],"Article-Placeholder":[],"Blog-Home-Placeholder":[],"Category-Landing-Placeholder":[],"Blog-Placeholder":[],"Legal-Placeholder":[],"Major-Placeholder":[],"Minor-Placeholder":[],"Partner-Placeholder":[],"Policy-Placeholder":[],"jss-main":[],"Home-Placeholder":[{"uid":"464dd5fb-9832-4bef-9be1-f65cc5a2161f","componentName":"VideoComponentWithList","dataSource":"{922E1940-B952-4283-86C0-033DC36F5C30}","params":{},"fields":{"videoTranscript":{"value":"\u003Ch4\u003EI. Leadership roundtable discussion introduction\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNY RUNDE, SENIOR VP PRODUCT DEVELOPMENT:\u003C\u002Fstrong\u003E Insureon is the largest provider of small business insurance online. We make it easy for small business owners to come to our site and find coverage for their businesses. They can come to our website, fill out a single application, and get quotes back in seconds from all of the top carriers. And at that point, they're in the hands of our our insurance agents who can walk them through all their questions, all of their concerns and make sure that they've got the coverage that they need.\u003C\u002Fp\u003E\n\u003Ch4\u003EII. How do our experts ensure you get what you need?\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EKARI ALLEN, VP SALES:\u003C\u002Fstrong\u003E We have best-in-class sales producers who are dedicated to small market. They specialize in the micro businesses and focus completely on what are the needs of the small business client, what questions might they have, and where to direct them to help them understand coverages. We found that over 90% of small business customers don't understand the coverage insurance that they need, so their job is to help them understand what they need, and how to get that coverage in place. And so they walk them through as their trusted advisor.\u003C\u002Fp\u003E\n\u003Ch4\u003EIII. What do we deliver long-term for small business owners?\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EDY KUNKEL, VP ACCOUNT MANAGEMENT:\u003C\u002Fstrong\u003E After the producers write the coverage for the clients, then it transfers over to our account management team, which our account management team's goal is to provide ease to the customers and retain their business. Our customers are really busy as business owners trying to run their small business, so it's our job to make their lives easier and provide them with that comfort and support of giving them the insurance that they need for their business.\u003C\u002Fp\u003E\n\u003Ch4\u003EIV. What added value comes along with that?\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNIFER CROMLY, DIRECTOR SALES, OPERATIONS, ANALYTICS:\u003C\u002Fstrong\u003E We provide value because we are an insurance agency that works with small business owners all over the country. And in doing so, we provide the business owner the autonomy to be able to provide us their information on their timetable.\u003C\u002Fp\u003E\n\u003Cp\u003EWe have such strong relationships with all of our carriers and our experienced producers so that wherever that small business owner is located, we have a carrier that is going to provide the most competitive coverage and the most comprehensive coverage, and we're then going to be able to maintain this relationship with the small business owner throughout their growth and changes as they also develop as a small business owner. I think as a small business owner there is so much responsibility that they have, and protecting their business from loss is one of the largest exposures that they have, and it's our privilege to be able to work with them.\u003C\u002Fp\u003E\n\u003Ch4\u003EV. What insurance companies can you choose from?\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EMAURA BENSON, DIRECTOR CARRIER RELATIONSHIPS:\u003C\u002Fstrong\u003E We partner with A+ rated carriers in order to accommodate many different types of small business owners and and what they're doing. Anything from lawn care and accounting, to restaurants and IT Consultants. By establishing these strong relationships, we're able to provide competitive rates as well as have a good understanding of the service center capabilities and just being able to give our clients the the best options available in the market.\u003C\u002Fp\u003E\n\u003Ch4\u003EVI. How do small business owners find us?\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EYULIA KRONROD, SENIOR VP CUSTOMER ACQUISITION:\u003C\u002Fstrong\u003E Most customers find us through Google, but the way they search for information varies greatly. Some people search for their profession and how they can protect their type of business with insurance, others search for policy type. Yet, others just simply ask a question \"Do I need insurance at all?\" or \"How do I renew my policy?\" and things like that, so we try to educate customers on all those types of queries that they ask in Google or other search engines. We have information around what type of policies you need if you run this type of business, what a specific type of policy covers, we have educational articles for them on how to start and develop their business into something viable that they can succeed with, and things like that.\u003C\u002Fp\u003E\n\u003Ch4\u003EVII. What are we doing to make it easy for small business owners to buy insurance?\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNY RUNDE:\u003C\u002Fstrong\u003E We know that many of our customers are a brand new business or new to buying business insurance, and so it can be a really stressful decision to make and one of the first things we try to do on our site is really educate people. Give them all the articles and the blogs and the information that's going to help educate them and inform them on what they need and what their options are. We also have the ability through technology to actually recommend products to them so have them answer a few simple questions about their business, and in seconds basically can recommend the types of insurance that they might need to cover their businesses.\u003C\u002Fp\u003E\n\u003Cp\u003ESo once they're at a point where they feel fairly comfortable with the types of insurance that they might need, and they've got some of those questions answered, then it's really our goal to make that process as seamless as possible in filling out the application. So from there they can select their profession type, they fill out a simple application online, and in the seconds they're able to get prices that are real time prices with all of the best carriers.\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EKARI ALLEN:\u003C\u002Fstrong\u003E By the time the application comes in and they compare coverages and they've either selected to go with certain carrier it's our producer's job to take a look at everything they put in, make sure that that makes sense, and then reach out to the customer and interact with them the way they want to be interacted with, whether that's text, whether that's phone, or whether that's email. And what they do is really review the coverages that they put together and you say \"Does this make sense? What state is it in? Are our producers are licensed  in every state? What carrier's actions do they have? Have they chosen a carrier that makes sense for their needs?\"\u003C\u002Fp\u003E\n\u003Cp\u003EAnd I think, to put a bow on it, obviously in insurance and potential insurance, that small business customers are going to have questions, and we can interact with these customers again how they want to be interacted with, but they're going to have questions about \"What is covered? What isn't covered? How do I file a claim? What are some things that I need to be aware of as I'm issuing the policies?\" And that's what our people are there for that to make sure that we put the customer and small business customers needs first and make sure that they are covered and, you know, set their mind at ease. \u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EDY KUNKEL:\u003C\u002Fstrong\u003E After our clients have selected coverage through Kari's team, then they have the ability to go on and review that coverage again on our customer portal. Our customer portal also offers them the ability to look back at policies they've had previously, make changes to their current policies, request endorsements if they need to on that coverage. They can also get a certificate of insurance that shows proof of their coverage that they do have today. They can review which carriers they're with, as well, and the pricing of the coverage they have currently. And they can also find their insurance agent to get in contact with them, all by using our customer portal.\u003C\u002Fp\u003E\n\u003Ch4\u003EVIII. Where and when are we talking to customers?\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNY RUNDE:\u003C\u002Fstrong\u003E Small business owners are...they're busy people. They're not always in front of their desk, right? They're growing their businesses, they're working with customers, they're out in the field. And so we know as an organization that we have to meet them where they are. And we have to be available when they are. And so for us, we really think very often about mobile as a key channel for our customers. So many of our customers come to us via their mobile devices, right? They could be could be late at night after leaving a job site, and that's the only time that they have to be able to search for insurance, and so that's where we really focus on our website of being optimized for that mobile experience so that it is as easy for them to buy insurance via their mobile device or their desktop as it would be walking into a brick and mortar.\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EKARI ALLEN:\u003C\u002Fstrong\u003E If you're a landscaper and you need a certificate of insurance and you need to change your coverage the next day, you can go on your mobile phone make, that option choice, and you can text, or call, or email with a producer at your convenience, and they can send you the application where you can digitally sign it and you've got a policy by that next day. It's just all at your fingertips, which is amazing.\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNIFER CROMLY:\u003C\u002Fstrong\u003E And then just getting the certificate of insurance when you need it, right? Because those always come at the last minute. The request comes at the last minute, or you've forgotten about it, and how do we do that?\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EDY KUNKEL:\u003C\u002Fstrong\u003E You can pull it up on your customer portal all on your cell phone.\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EMAURA BENSON:\u003C\u002Fstrong\u003E And you don't have to worry about the the business being closed, or having to get to the office before you do something else that day, or to the agent's office.\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EDY KUNKEL:\u003C\u002Fstrong\u003E Or print it. Just do it online. It's all digital.\n\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNIFER CROMLY:\u003C\u002Fstrong\u003E And even though we're an online agency, we still provide that personal touch and that relationship with our business owners?\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EKARIE ALLEN:\u003C\u002Fstrong\u003E Oh yes, absolutely.\u003C\u002Fp\u003E\n\u003Ch4\u003EIX. Is Insureon right-sized for your business\u003C\u002Fh4\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNIFER CROMLY:\u003C\u002Fstrong\u003E We can be that countrywide resource to where if you have one location in one state or multiple locations in multiple states, we're going to have the insurance companies being able to partner with you and provide you coverage throughout your process of owning your business. Or if you are that hometown small business owner, we have the right solution for you as well, because we're a small business agency as well.\u003C\u002Fp\u003E\n\u003Cp\u003E\u003Cstrong\u003EJENNY RUNDE:\u003C\u002Fstrong\u003E And that's really where I think our technology comes into play and adds value, because a small business owner does not have time to go to 10 different companies and search for all the different options that are out there, they don't have that kind of time. That's not their priority. 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