Business insurance · Price check
One claim, one contract, one injured visitor, and the business pays for it personally.
General liability is not paperwork. It is the difference between a bad month and a closed company, and it is usually requested by someone else before you have had time to think.
You win the contract, and then the client sends the insurance requirements: one million per occurrence, two million aggregate, additional insured, certificate within five business days. You either have it or the job goes to someone who does. The same letter arrives after a water leak closes the shop for three weeks, or after an employee is injured on a ladder.
Does this sound like your business insurance?
- A client is asking for a certificate of insurance and you are not sure it matches their requirements.
- You have employees and are unsure whether workers’ compensation is required for all of them.
- Your shop or office has equipment and inventory that are not properly valued.
- You have grown and the policy was written for a one-person operation.
- Your renewal came in higher with no explanation of what changed.
General liability covers the third party, not your income
GL responds when someone outside the business is injured or their property is damaged. It does not replace the revenue you lose while the shop is closed.
Business interruption and property coverage are separate, and they are what keep payroll running through a shutdown.
Employees change the requirement entirely
With employees, workers’ compensation is usually mandatory and priced on payroll, classification and claims history. Get the classification wrong and the audit bill arrives at the end of the year.
Professional liability sits on top for anyone whose advice or work product can be blamed for someone else’s loss.
“The contract asks for a certificate. The claim asks how much coverage was actually behind it.”
Certificates are negotiated, not downloaded
Additional insured wording, waiver of subrogation and primary and non-contributory language are all part of a lease or a contract, and they have to match the policy exactly.
An agent who sends the certificate without checking the wording is how a contract breach happens on a policy you already paid for.
One short form, and a licensed agent takes it from there.
Tell us your state. Your inquiry is forwarded to one licensed insurance agency licensed in that state, which will contact you about business insurance. No obligation.
What we check before we call you back
This is not a form that disappears into a queue. It is a working list an agent goes through with you on the call for business insurance.
- General liability limits and aggregate structure
- Property, equipment and inventory at replacement cost
- Business interruption and the period of indemnity
- Workers’ compensation with the correct class codes
- Certificate wording: additional insured, waiver, primary and non-contributory
Send the trade, the payroll and the contract requirement. An agent returns the coverage structure, the certificate wording and a real premium from the carriers that write your class of business.
