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Getting a Business Insurance Quote

Everything you need to quote your small business

Few things are as frustrating as starting a small business insurance quote and not having the information you need. Avoid wasting time by gathering all essential information beforehand.

To get an accurate business insurance quote you’ll need:

The basics

Most commercial insurance quotes require basic information, including:

Your insurer will consider the details of your daily operations and where you conduct business when assessing your exposure to various risks. For example, a residential cleaning business operates differently from a commercial cleaning business. A residential cleaning business may specialize in cleaning bedrooms, bathrooms and floors, whereas a commercial cleaning business may focus on offices, machinery and retail spaces. Despite operating in the same industry, you can expect their small business quotes to differ.

Employee information

You’re generally required to carry workers’ compensation insurance if you have employees. Be prepared to provide:

It’s important to note that owners and partners are not considered employees.

Tools and equipment specifics

You can protect your building materials and equipment by adding an inland marine endorsement to your business liability insurance quote. A licensed commercial agent may request details regarding:

Properly valuing your assets is crucial in case you’re involved in a claim. Listing expensive tools and equipment will likely require the make, model and serial number specifications.

What is inland marine insurance?

Inland marine insurance is coverage that protects transportable goods on land and inland waterways. Transportable goods can include building materials, tools, and portable computer equipment like tablets and laptops. For example, a landscaper may want to insure a lawn mower and other tools with an inland marine endorsement since this equipment is transported to various job sites. Likewise, a carpenter can insure cabinets and other building materials to be installed at a job site.

Claims history

When receiving a commercial insurance quote, be prepared to discuss your claims history, including:

You may be able to request a copy of your claims history from your insurance company if you’re missing information.

Property details

When insuring your commercial property through a business owners policy (BOP), you’ll need to provide:

Details of both the construction and use of your building can influence the price of your commercial insurance quote. For example, a fire-resistant building with automatic sprinklers typically has lower exposure than a building lacking these features.

Additional insureds

An additional insured is a person, entity, city or corporation who is listed on an insurance policy and shares many of the same rights as the policyholder. For example, they may receive a copy of any notifications you receive about your policy, such as a cancel notice.

You may be required to list an additional insured on your small business insurance quote. Be prepared to provide each entity’s name and address. Four organizations that usually require being listed as an additional insured include:

An additional insured can be added any time during your policy period. However, having this information available when you quote can help notify all affected parties once your policy is active.

The nature of your business will ultimately determine what you’ll need for a small business insurance quote. Don’t worry if you don’t initially have all necessary information. We can securely save your profile until you’re able to provide any remaining details. Complete an online business insurance quote or call us directly to speak with a licensed commercial agent.

More information

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Bundle discount! Save on auto when you add property

Save an average of 12% on auto when you add to propertyΔ

Bundle discount! Save on auto when you add property

Save an average of 12% on auto when you add to propertyΔ

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